This briefing note compiles the conclusions of MicroSave’s Virtual Conference on Electronic Banking for the Poor and other MicroSave action research on the topic. The main points that should be stressed when considering electronic banking are:

• The customer prospective – the value proposition, i.e., the solution must provide sufficient value to persuade clients to move transactions away from cash, a very versatile medium of exchange;
• The institutional perspective – the business case, i.e., electronic banking should increase profitability; and
• The local environment for electronic banking, this is influenced by the evolution of the financial and retail sectors, the level of financial literacy and the regulatory and policy environment.