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. MicroSave Briefing Note 73 analysed the agents of e-banking and m-banking systems in the context of Product, Price and Processes. This note extends the analysis into an additional 5Ps of marketing: Place, Physical Evidence, Promotion, Positioning and People.