An expanded basket of m-banking product mix for customers and agents cannot be offered by an ANM alone. To do so, it needs to get into partnership with institutions that will offer different products. This is true for both the bank-led and the non-bank led models. Puneet Chopra, who works as an m-banking consultant at MSC talks about the importance of developing such partnerships and creating a win-win proposition for all partners. He also discusses few pit-falls of such partnerships and how these can be overcome through due-diligence and pilot-testing.