ICT solutions are required to capture customer details, facilitate unique identification, ensure reliable and uninterrupted connectivity to remote areas and across multiple channels of delivery, offer multiple financial products (banking, insurance, capital market) through same delivery channel while ensuring consumer protection, develop comprehensive and reliable credit information system so essential for efficient credit delivery and credit pricing, develop appropriate products tailored to local needs and segments, provide customer education and counseling, enable use of multi media and multi-language for dissemination of information and advice.
Adults are more challenging: they tend to acquire just the knowledge and skills they need for a specific purpose and their behavior tend to be well-rooted. Furthermore, adults are an extremely heterogeneous population. For example, some immigrants grew up where saving food meant wasting it. Thus the concept of saving must be explained to them with a special care.