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

Remuneration / Compensation Fixed vs Variable Fixed – Complacency Opex/ Variable – No incentive at the initial

stage Combo Model

› Rs. 3500 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