This is about banking on a more human scale. Banks that only do business they understand with people they know. Banks that will work exclusively in their region and aren't interest in becoming too big.
We believe that for this to work, people need to deal with people for the important things. Technology can take care of the day to day but when it comes to the bigger decisions, face to face is better. Each bank will have a network of branches. Local bank managers will play a crucial role this network. They're the ones who will know their customers and they're the ones who will make the key decisions on granting loans.