To circumvent the high cost of running full branches, the commercial banks have expanded the net work of ATMs and EFTPOS, which has complemented branch net work and in some instances have become substitutes for branches to a limited extent. The existences of ATMs and EFTPOS have made banking easier and efficient in the rural areas.
However, these developments will not succeed if: •  Infrastructure is not in place for investors to build on. Mobile banking and branchless banking requires transport, power, and communication infrastructure. E.g. Namatanai sub-branch of a bank closed down due to communication and power problems and failures. I recently visited Dogura.