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 first of three videos they discuss: 1. Why do digital financial services (DFS) providers default to OTC? 2. What are the drawbacks of OTC for DFS providers? and 3. Why are OTC services so popular with customers?