India has digital payment agents (kiosk operators), who help bring people in the hinterland into the digital-payments fold. For them to succeed, payment companies cannot crimp on commissions. They also cannot afford to ignore investing in digital literacy. Payment agents are way too small to be viewed as a systemic risk. Yet India's payments regulator has restricted them to serving only one payment company, perhaps to prevent arbitrage. Efforts at payments outreach may succeed only if there are better incentives at work for such last-mile agents, and also those providers who ensure not just basic transaction services but also products such as micro-insurance and savings schemes.

Which one of the following is the most logical, rational and crucial inference that can be derived from the above passage?