This note examines the perceptions and demands of clients – the end-users of m-banking solutions. It concludes that m-banking services currently offered to the low income market in India do offer value to clients in terms of easy account opening procedures, easy deposit and withdrawal facilities, ability to deposit any amount any time etc. However, there remains significant scope for improving these services to encourage mass uptake and increased usage of the accounts offered. Diversifying the range of services offered would provide an improved value proposition for both customers, who could use m-banking for a wider range of uses.

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