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Information Communication Technology (ICT) is considered to be the back bone of interprocess communication of the records of the Microfinance Institutions who are the key players of distribution of the funds to the poor and to the people who are not eligible for standard financial services. In spite of the latest techniques used, MFIs face challenges in implementing the technology in respect to the high operational cost, unregulatory framework or lack of integration among the diversifieddoi:10.6084/m9.figshare.1448707.v1 fatcat:waoexlg7obd3zisim5bcixs7ve