For example, the government could expand the regulatory framework for service-providers to use mobile banking. At present, Bank Indonesia regulations allow non-bank service-providers to issue e-money only for payment purposes. The eligibility requirements for the necessary license currently act as a major barrier to entry. Also, know-your-customer (KYC) regulations could be adjusted appropriately to allow third-party agents to sign up new customers or permit remote applications for new bank accounts below a certain relatively low threshold. As present, customers have to turn up at the offices of the financial institution involved, which can pose problems for those living in more remote rural areas.