This diversity in how the problem is approached and solved is extremely problematic because it can lead to many problems:
- Developing interoperable solutions will be difficult because different systems operate in a different way. While the need is big to inter-operate (Read here), it would be difficult with many different approaches to consider.
- Evaluating different solutions (for instance for a RFP) is difficult because different vendors may approach the solution in different ways. It would then be difficult to compare the solutions and get to the best answer.
- The problem with skills will be propagated. As it is, we do not have enough skills in the industry. When staff move from one company (having applied mobile banking in one way), to another company (with a different model) productivity gains will be slow.