Of particular interest are the maritime areas and how to deliver banking and microfinance services to these remote areas even though a number of our people live on these islands and they expect similar type of service delivery with least costs. The use of mobile phone technology for providing basic banking services can be considered for these remote areas.
Settlements As the retail payment being dominated by the deferred net settlement processes, there is a need for a guaranteed retail payment & settlement systems that will give comfort and assurance to all the stakeholders. In describing the settlement characteristics of net settlement systems, the concept of certainty of settlement is sometimes used.