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are managed by large corporates, individual CSPs directly engaged by
the banks are significant at 17% of the sample.
Steps suggested by the study to improve the system:
i. Improving remuneration of CSPs should be a priority.
ii. Banks should facilitate higher volume of transactions through better
marketing strategies.
iii. Clearly delineate CSPs’ work: full extensions of banking for CSPs and
where they are to remain minimalist remote tellers.
Overall, the space offered by regulation has not been fully utilized by the
banks and BCs; but there is hope as motivation to continue remains high on
the part of CSPs.
