Banks and other financial institutions may also now find it easier to provide branchless banking for the poor .

现在，银行和其它的金融机构可能也发现了为穷人提供非网点的银行业务会更简单。

The success of mobile financial services and branchless banking in africa is a case in point , and testament to the benefits which are flowing from such confluence .

手机金融服务和无网点银行在非洲的成功，正是这样的交汇所带来的好处的最好例子和确实证明。

Rules that are too tight will hinder adoption ; rules that are too lax could allow fraudsters to bring the whole idea of branchless banking into disrepute .

太过严苛的监管条例得不到采用；太过松弛的条例会让诈骗者将“无分行”的银行业陷入绝地。

For example , one of the more successful mobile phone money-transfer services is m-pesa , a branchless banking service which has seen success in kenya , tanzania , and afghanistan .

比如，m-pesa是目前较为成功的手机转账服务，没有分支机构的它在肯尼亚、坦桑尼亚和阿富汗大获成功。