E-Bank overcame the problem of high cost associated with servicing lowincome8
by employing innovative and low-cost delivery channels such as ATMs.
E-Banks established approximately 100 user-friendly service centers conveniently
located in shopping centers and main city thorough ways, which contained 2-4 ATMs
and 2-3 staff members whose only tasks were to welcome and assist customers’ ATM
usage. Without any back office functions, E-Bank’s transaction cost fell further by
approximately 30-40 percent.