Although I do not want to go into details of all the particular achievements, allow me to highlight a few major milestones at this occasion.   PAN facilitated the development of the National Payment System Vision 2015 which casts the roadmap for both bank and non-bank stakeholders to participate in a broader payment system which is efficient, cost-effective and secure.
  PAN currently runs three PCHs, each representing a retail payment stream being; cheque, cards and Electronic Funds Transfer (EFT). This has increased the operational efficiency and effectiveness of the industry for the benefit of the National Payment System in the provision of these services.