This document discusses branchless banking and mobile phone banking strategies for rural banks. It provides examples of branchless banking technologies like ATMs, POS devices, mobile phones, and mobile money platforms. It discusses benefits for rural banks in partnering with merchant partners for mobile banking services, like expanding geographic reach and increasing deposits. The document outlines key phases for designing a business proposition and model, including determining priority "use cases", acquiring merchant partners, and providing support services. It emphasizes developing a strong value proposition centered on priority use cases and packaging of fee-based services for merchant partners.