Wave-II observed an improvement in most of the parameters over Wave-I and was more comprehensive as it covered additional information on other some aspects of BMs such as fixed and variable commissions; device enablement; infrastructure; fixed and variable costs incurred; product portfolio offered, capacity building; and satisfaction levels etc. The customers were additionally asked about their preference for a transaction point; reasons for such preferences and; problems faced while conducting the transaction at BM outlet etc. Wave-II provided bank wise and state wise comparisons on major parameters covered during wave-I to track the progress of PMJDY on ground implementation.

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