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Tham khảo tài liệu 'partnerships for innovation in microfinance springer_8', tài chính - ngân hàng, tài chính doanh nghiệp phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả | 204 Janine Firpo pating MFIs would share one RTS server connect their back-end systems through one generic connector and adapt their business process to a common PoS interface. This approach would dramatically reduce costs associated with the design deployment enhancement and maintenance of the solution by a factor of more than three. However when this approach was discussed with the three participating MFIs they balked. Each institution wanted the RTS designed to meet their individual and unique business and MIS requirements. There was insufficient time or proof to convince them otherwise. The RTS team capitulated and created three distinct RTS servers three separate connectors and two PoS interfaces which significantly increased the complexity and cost of the project. The results of the pilot clearly demonstrate that the original objective of a standardised core solution will be essential if the microfinance industry is to reach scale through this type of technology innovation. Creating separate solutions for each institution is neither sustainable nor scalable. Shared Infrastructure A Requirement for Scale The conclusions generated by the pilot led several of the participants to realise that the possibility and opportunity to integrate technologies that will help microfinance achieve scale will become sustainable only when large numbers of participants use the system. Only through shared infrastructure and common standards can the costs of providing financial assistance to a dramatically larger client base be achieved. Sharing is required to increase the number and reduce the costs of access points at which clients obtain financial services. Sharing is necessary if MFIs are to obtain the consistent high-integrity data that is required by investors or credit reference bureaus. The advent and growth of VISA is a prime example of the level of collaboration and technical sophistication that is required to achieve dramatic scale and commercial value throughout the .