The central Banks must have a clear vision on the framework that will drive the process including the setting up of infrastructure that could reach a wider segment including the rural areas. The framework must also be interoperable and ensure competition among the operators. It must also include  an  appropriate  financial  consumer  protection  framework to engender public confidence.
In a limited impact study, the Central Bank found that the boards of many of the larger credit unions have directors who would be in excess of the initially proposed term limits, and that compliance could pose severe disruption to the functioning of boards.