Analyzing reasons and suggestions

Todd, thanks for putting this together. I found this information very interesting and enlightening. I played colege football and baseball and broadcasted both, as well as basketball but I have become a huge soccer fan. It is more committee meetings than sport!

Analyzing reasons and suggestions

Analyzing reasons and suggestions

Along with low usage patterns of No-Frills accounts, the second major problem faced has been an asymmetry between the needs of agents and clients and the procedures followed by BCs and banks. These problems are specific to each tier in the BC model, namely the BC itself, the agents and the clients.

These volumes are extremely low, as we discussed in our previous post. This is because transaction volumes are higher in urban, remittance heavy areas. Tiered commission structures usually remunerate the agents a percentage of the amount transferred or facilitated.

The advantage of that would be agents targeting clients who make higher volume transactions while they would be less willing to serve clients who make low volume transactions, which is the primary focus of the BC model itself.

BCs typically transfer as much money to agents as the security deposit paid by them. However, there are typically large gaps between deposit and withdrawals due to location specific characteristics, such as rural areas being withdrawal heavy due to incoming remittances.

BCs expect their agents to use their own cash to make withdrawals if they do not get sufficient cash through deposits. As a result, agents often end up facing a liquidity crunch, which leaves them unable to provide withdrawals, risking their reputation as well as that of the bank.

However, if cash collection facilities were to be provided by BCs, they would add to the cost of operations for the BC. Technical glitches faced by agents also hinder BC work, ranging from improper functioning of the bank server to other software glitches.

Many agents stated that the BC channel should serve multiple diverse products to fulfill the needs of the clientele. Biometric registration of a BC client Photocredit: Labourers on the other hand, maintained the smallest balances and carried out the least number of transactions.

The two primary problems identified by clients included agent inactivity and lack of knowledge about the product.

In other areas accounts were opened but no agents were appointed for the clients. Showcasing the dire need for financial education, some clients in the survey used NFAs solely for remittances and were not even aware of the fact that they could use these accounts to save!

Challenges faced by BCs The Business Correspondents face problems from every single tier in the organizational model. Many of the BCs in the study believed that costs and risks involved in cash management are entirely and unfairly borne by the BC or its agents with little or no contributions from the bank.

Agents sometimes retain cash if they anticipate future withdrawals but this makes it difficult for the BC to transfer the balance to other agents and creates a shortage of cash in the settlement account of the BC. These issues, combined with the inactivity of No-Frills accounts have contributed to the poor performance of the BC model so far.

Our next post in this series will discuss policy recommendations to improve the functioning of the model and improve its performance in the long run.Scope of this Manual. This manual is intended for users who have a basic knowledge of the R environment, and would like to use R/Bioconductor to perform general or HT sequencing analysis.

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