Convenience It is important to ensure the convenience and comfort of the customers when they are offered payment products. For reaching the unbanked people, simple innovative solutions, such as, providing text and voice facility in local languages, standardized coloured icons of ATMs for easy recognition, standardised layout of ATM screens, biometric authentication, etc. would enable greater acceptability.
While I retain full responsibility for the theses presented in this paper, it owes much to exchanges and joint work with Pietro Catte, Pietro Cova, Giorgio Gomel and Patrizio Pagano. For a wider and deeper discussion of the topic, see Catte et al. (2009). * 1.