The Agency initiated the process of accelerating efficiencies in its operations in particular with the disbursement of social grants by encouraging beneficiaries to shift to other cost saving payment methods. In the year under review, a total of 47. 33% payments were made through ACBs or banks whereas during 2009, 31. 25% was paid through the ACBs or banks. This translated into a 16.08% increase. This number is envisaged to increase as beneficiaries, especially those residing in urban areas, are becoming more aware of the better option on transacting through the banks. The banking infrastructure in rural areas is also improving and expanding.