A number of reforms have already been announced and, in some instances, implemented in countries such as Portugal, Spain and Italy. And we are already seeing some promising results, especially in Ireland. But despite these first steps, there is still a long way to go.
Some of these measures include the Agent Banking Guidelines and the Shared Agent Network Facility (SANEF), both of which are intended to deepen  penetration  of  agent  networks  in  underserved locations across the country.