NEGATIVES  Conflict of interest  Non-verification of end-use  Lack of retail points of presence POSITIVES  Good outreach  Experienced  Personal touch

 Remuneration / Compensation  Fixed vs Variable  Fixed – Complacency  Opex/ Variable – No incentive at the initial stage  Combo Model › Rs p.m. fixed › Minimum Performance Indicator › Dormancy rate  Engagement stage – availability of right kind of people

 End to end solution – field experience – commitment  Lead time 30/40 days  High attrition rate – brand image of the model  Training – BCs new to both banking & technology  No frill accounts far outnumber Smart cards

 Viable in the long term.  Shifting of existing low-end business to this model along with new business. E.g. NREGA

 Very important role  Field level monitoring

 Marketing of credit products  High-end technology for low-end people

 Strategic risks  Reputation Risk  Compliance Risk  Contractual risk  Concentration risk

Thank you