Digital financial services have become an important mechanism for extending formal financial services to populations poorly served by conventional banking. Agent networks provide the physical interface through which customers deposit and withdraw cash, transfer funds and make payments.
In the EGM framework, infrastructure support encompasses point-of-sale devices, telecommunications connectivity, power solutions such as solar kits and power banks, network boosters and agent kiosks — measures that allow agents to establish and sustain service points where poor electricity or weak networks would otherwise make operations difficult.
Geographic accessibility is distinguished from counting agents. It concerns the physical ease with which users reach a service point: distance, travel time, waiting time and travel risk.
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