Today, customers have realised that the cards offer better convenience and have changed over to large scale usage of the cards, based on their conviction. That the Direct Selling Agents employed by banks hastened the process of migration is an accepted fact, but this was not the major factor in the change process.
BIS Review 88/2006  1  •  Perhaps the most important premise relating to change pertains to the relationship between security and stability. If a change process has to be successful, there has to be a harmonious balance between the perceived levels of insecurity and instability by the participants in the change process.