The continuous shrinking of prices of ICT based solutions can be used to provide the financial services using multiple delivery channels, such as, ATMs, kiosks, mobile phones, internet and contact and contactless cards through PoS.
Innovations in product design and delivery channels have provided a fillip to the process of financial inclusion and the need for deeper and search for sustainable financial inclusion has paved  1  2  World Bank Global Payments Survey, 2010  BIS central bankers’ speeches  way for many innovations.