These include the need to be open to potential new/unintended markets or applications for products developed by companies; the need to focus on cash flows instead of focusing only on profits as these are the lifeline that keeps the company going; creating a management team as the business develops; and lastly, the need to constantly ask the question that what the business needs at this stage and whether one is concentrating on the right things.
Our experience has shown that the goal of financial inclusion is better served through mainstream banking institutions as only they have the ability to offer the suite of products required to bring in effective/meaningful financial inclusion. Other players such as mobile companies have been allowed to partner with banks in offering services collaboratively.