Version:0.9 StartHTML:0000000105 EndHTML:0000007216 StartFragment:0000000141 Micro finance institutions carry on the business of financial institutions on commercial basis, which entails, among others, acceptance of deposits/savings, and withdrawal by cash, cheque or otherwise participation in inter-bank clearing systems on behalf of the customers (Microfinance Support Center Journal, 24th November 2006) Personal and business savings and revenue stream comprise, transactional products which include products associated with various points of contacts channels with clients such as automated teller machines(A TMS) and branches, including deposit taking activities, electronic banking and cheque accounts.(Grave,1999)