This paper consolidates the views of different stakeholders involved in e/m-banking on the aspects related to 'Agent Network Management' - a critical piece of the puzzle that many have ignored, unfortunately, at their peril. The paper summarises many of its findings observed and experienced from our various market research initiatives and direct technical assistance with our work with Agent Network Manager (ANM) partners across nearly a dozen countries over the past five years, complemented with some secondary source data. The focus of this paper is to examine different aspects of agent network management against the background of client, agent, and ANM operational requirements, to provide insights on how to design and implement a well-functioning agency model for the delivery of financial services to the un-banked.
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