There is growing recognition that effectively managing agents is key to the success of e-banking and indeed m-banking systems. There is growing literature on the functioning of agent networks and strategies to get the best out of them. This note examines some of the international experience using the “8Ps of marketing” as a framework – focusing on the first 3Ps: Product, Price and Process. MicroSave Briefing Note 74 looks at 5 more Ps of marketing: Place, Physical Evidence, Promotion, Positioning and People.