Three types of front-end technologies are being used by banks and BCNMs in India in the deployments set up to further the cause of financial inclusion. These are point of sale (POS) devices, computers (desktop or laptops) with internet connectivity, and mobile phone devices. Technology is usually assessed in terms of convenience of conducting transaction, user interface, portability etc. Present report focuses on the impact of choice of technology on agent economics and its macro level impact. The report also compares agent level capital and operational costs of the more commonly used technologies for agency banking.

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