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Some efforts were earlier made to facilitate payments through the banking network.

There are indirect costs and indirect benefits of the project including the aspect of opportunity costs, but it is very difficult to gain evidence on these.

Moreover, only 2 to 5 percent of the population used this facility.

It was against this background that the FRIENDS project was conceived, enabling citizens to visit a single location to pay all bills without the requirement for back office computerisation in the involved departments/agencies.

Firewalls safeguard the data from manipulation and other misappropriations.