Stop treating agent count as the performance story.
Distribution scale matters only when agents are active, liquid, trusted, controlled and commercially productive—and when customers adopt the channel consistently.
Typical mandates
- Agent-network performance diagnostic
- Active-agent, dormancy and cohort analysis
- Agent unit economics and incentive review
- Liquidity, float and service-availability improvement
- Fraud, operational and conduct controls
- Customer-acquisition and activation strategy
- Merchant and agent segmentation
- Regional distribution and field-force operating model
- Transaction-growth and profitability roadmap
What should be measured
Activity quality
Active-agent ratio, transaction frequency, service mix, customer repeat use and dormancy.
Operational reliability
Liquidity availability, failed transactions, downtime, dispute resolution and control exceptions.
Commercial value
Customer acquisition, deposit mobilisation, transaction value, cost-to-serve and contribution.
Recommended entry point
Agent-network productivity diagnostic: a targeted review of network composition, activity, liquidity, customer behaviour, field execution, risk controls and profitability.
A smaller productive network can create more inclusion and enterprise value than a larger dormant one.