The field like lending for motor vehicles,lending to agriculture tools and plants,lending for crop seeds pesticides,lending for micro finance,that is how each category of finance model is approved under non banking category.

This again is under non banking finacial institutions controlled by the particular country central bank.

Things are audited and verified by the central bank,as per the companies laws available in the particular country.

It is true that none of the coutries want a 100% foreign controlled bank,where they do not have any control on the structure of taxation and other policies.

Even the companies need to have a local partner and local address for operations in the country,but for the tax heaven countries.

When Royal society of civil engineers was formed in 1820,it was aganist the Milatary engineers,who were confined in their duties to military work.

In 300 years,we have established so many engineering institutions,and this civil engineering was divided to mechanical,and electrical engineering etc.

Today we may have around 50 branches of engineering applied to various fields.

Differential equations,Tylors series,laplace equations made a logic for Engineering.

Lets us use the technologies,and make corrections as needed,based on experiences.

Banking is controlled under Bessal accords internationally.The experience form microfinance institutions in Asian countries,is that they need to be regulated.

The greediness for any one is endless,even under regulation,the credit cards charge at 2% to 3%  permonth in these parts.

It cannot be different if an uncontrolled microfinance charges differently.

Digitalization and encrypting the codes,and storage in multiple servers,as well having an unique Identity Card with all details of property,banking and other detailed in multiple formats are necessary,even if the loan dispersal takes 2 to 3 days shall generally o.k.

For loans,for insurence reimbursement etc.For payments for seeds,for pesticides,for personal loans ,as required number of days to process the data from the mobile,and the making a pass,and payment option could be as per general systems.

We are looking at a farmer who can join the global farmers community,and we want betterment of the individual,the society and the respective countries.

A dead line of 'watchful period of 3- to 5 years' 'after the technologies are made available' and collabarated by third party assessment are essential.

I think proper intermediateries with licence and storage [cold storage where necessary] facility shall be allowed to buy at farm prices adopted by the agriculture department.The co-operative [group] concept movent and finacing is important.

That leads to more involvement of the stake holder.

Opening many bank branches ,and allowing the function of more cooperative and thrift societies,needs to be encouraged by providing them with the required equity from a bank or from government.

The tools and technology we employ shall have a protection for the farmer,have a control by the society or the Government.These tools shall not eat the farmers property,or the governments right to bring more areas under farming.

Let us take cue in to the tools deployed for getting the Spatial data,micro finace and water shed managent, and analyse the safety of such tools to protect the small amd marginal farmers.After all our group in UNESCO is Heritage and culture and we are discussing how best to achive more productivity by using science and technology for all.