Consumer awareness on risks and reward attached to various banking and payment system products including its proper usage has to reach to the people in the language which they can relate to and understand.
Banks need to build skill sets of their employees and BCs on matters like convincing people to use ICT based banking services and subscribe to different payment system products to make the financial inclusion a viable proposition. The security aspects and the responsibility of the users in respect to each product should form a part of the consumer communication programme.