Cost factor: A major factor which may go against the principle of empowering the customer (to move away from cash) would be the charges (ad-valorem) which are applicable for electronic payments, whereas cheque payments normally do not entail any charges for the customers. Introduction of charges for cheque-based transactions on the lines for electronic payments may be an alternative but difficult to justify.
Efficiency of the payment system may not always be a factor: While electronic mode of payment is efficient, how many of us really care whether a credit, at least the relatively smaller amounts, reaches us in one hour or one day? Even when we receive a cheque payment, not all of us are particular in depositing the same with the bank.