These structures could represent simple low cost intermediate entities comprising minimum infrastructure for operating customer transactions and supporting up to 8–10 BCs at a reasonable distance of 2–3 kms. This will lead to efficiency in cash management, documentation and redressal of customer grievances. This will also provide a supervisory mechanism over the operations of the BCs/BFs.
Another very important aspect that is being impressed upon the banks is that for the BC/BF model to succeed, the agents, who are the first level of contact for customers, have to be compensated adequately so that they too see this as a business opportunity for reasonable earnings and do not indulge in unethical practices.