Banks need to evolve Appropriate Business Model .Credit linkage is vital Electronical Benefit Transfers are useful but to be users of financial products the SCRIPT Savings Credit Remittance Insurance Pension and Transfers must be available both sides of the equation Access and Usage must be equally strong.
•  BC model was envisaged as cheaper model of doorstep delivery as opposed to bank branches however the ease and comfort of transaction for the customer is higher at bank branch level.