- The document provides demographic data on 30 respondents from Equity Bank including their gender, age, level of education, and work experience. - It examines the effects of agency banking on branch set-up costs, service delivery, credit access, and profitability at Equity Bank through survey responses. - Key findings indicate that agency banking lowers set-up costs and improves customer service by reducing wait times, while over half of respondents felt it does not impact credit access. Most challenges relate to financial and security risks for agents handling cash transactions.