Formalizing the operations of DTMs is expected to bring more people, especially those previously unbanked or under banked, into the realm of the formal financial sector not only through their lending activities but also savings mobilization.
  Lowering the cost of doing business: Several modalities including establishment of three currency centers in towns outside the key Kenyan cities to lower cash in transit costs for banks. CBK is also actively pursuing modalities of reducing the cost of establishing branch networks for Deposit Taking Microfinance Institutions, in addition to agency mechanism.