Banks always prefer the cheapest package (to cut cost) while making a choice of technology to be used 

The Business Correspondent Agents are highly demotivated to pursue their activity as a full-time job 

The investments made by banks and their delivery partners are not yielding equal amounts of returns 

Banks do not have adequate number of delivery partners required to tap the unbanked market 

Banks do not have adequate manpower to explore the diversity of the unbanked market and thereby identify the right target customers for various programmes