Dr. Pawan Bakhshi (now of the Bill & Melinda Gates Foundation) and Graham A.N. Wright (Group Managing Director of MicroSave) discuss the growing prevalence of over the counter (OTC), agent assisted transactions. In this the third of three videos they discuss: 1. What are the long-term implications of OTC for a DFS provider’s business? 2. What are the long-term implications of OTC for efforts to achieve financial inclusion? 3. How can DFS providers get customers to register for wallet-based accounts? and 4. How do we get DFS customers to use and keep money in their wallets?