Agency banking is another core strategy for financial inclusion of MARUHAN Japan Bank Laos, with the ultimate goal of driving 90% of transactions through non-branch channels. Agency banking will overcome the limitation of accessibility and low coverage of bank branches, especially in Laos. 

The proposition of agency banking is riding on the digital branch concept, using the existing digital platform for system integration, in short, agency banking may conduct business transactions in paperless condition by using tablet.

Presently, MJBL has officially launched more 110 banking agency across 14 provinces nationwide. Customers can use the agents for all services including, deposits, withdrawals, transfers, bill payments, and even loan application.