Therefore, regulators must constantly review the definition of a "financial institution with the potential to trigger systemic risk" as their financial sectors develop and evolve. The remaining issue is that of pricing the insurance. The involvement of public institutions in the provision of insurance means that the burdens ultimately revert to the public.
Despite all these efforts it remains a fact that we are still competing against very efficient and effective mode of remittance transfers such as hundi and hawala which because of their convenience and ease have remained a preferred choice of people especially who are less literate or live in far flung areas of the country.