BIS central bankers’ speeches  1  •  The varnished lower denomination banknotes failed to adequately meet expected longevity. •  Significant difficulties associated with the processing and destruction (briquetting) of the polymer banknotes. It is important to add that this situation has largely constrained the realisation of the benefits expected from polymer banknotes over paper notes.
–  An agent must clearly display the identity and a dedicated telephone contact of the mobile money operator, the unique identification number of the agent, charges, notice that no charges are levied at the agent location, and a notice that the agent does not carry out transactions on behalf of customers  –  Complaints handling and consumer recourse mechanisms.