Identifying the right Customer Value Proposition (CVP) is essential for the large scale adoption of m-banking or mobile money services. MicroSave developed a "cost of cash" tool specifically around for understanding the pain involved in cash transactions (with an eye towards presenting an m-banking solution to alleviate the pain), which helps e/m-banking stakeholders to discover which suite of transactions to focus on. The initial research results helped mChek in India to refine its overall un/under-banked strategy and in developing new service offerings for its partners and end-clients. These are described in more detail in India Focus Note 52- Removing the Pain from Using Cash: An M-banking Solution?