This note examines the perceptions and demands of agents – the front-line of m-banking solutions. It concludes that although present mobile banking solutions as currently provided in India do offer value to agents in terms of increased footfall, some increased revenues, opportunity to cross-sell etc., they still have a long way to go in terms of value offered to make it really attractive business proposition for agents to encourage mass uptake. That would require: 1. scale to bring more customers on to the m-banking platform; and 2. that those customers are transacting regularly. Driving regular transactions would require a strong and wider customer value proposition like remittances, savings products, payment products etc. in addition to the current basic savings account offering deposit and withdrawal facilities.

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