maintenance cost, the following matters will be considered as much as possible in the Phase 2 project.  Appropriate system architecture and products: The system architecture will be simplified to avoid unnecessary hardware and software product installation.  Effective use of hardware: Using the virtualization technology, multiple virtualization servers are consolidated and installed on a physical server to minimize the physical hardware devices. And hardware of DR is planned to be used for the development environment, as a result, the number of dedicated hardware devices for development environment is minimized.  Use of local vendor and personnel: The products where the maintenance services are provided by local vendor are preferred because the chance to choose reasonable services are given to CBM after being handed over to the system. Therefore, considering the availability of maintenance services by local vendors is recommended, the products are selected by bidding vendors.  Appropriate services: The cost of operation fees and application maintenance fees will be different depending on the service levels requested. Therefore, CBM can avoid paying unnecessary service fees by requesting appropriate service levels and menus from the vendors based on requirements of CBM. In addition, these services are possible as in-house operations with capacity development efforts by CBM. 3.4.3 Financial Sustainability of the Project The initial investment amount of this project will be covered by JICA grant aid. Therefore, the financial sustainability depends on how to manage expenditures on operation and maintenance. One of the options for securing sustainability is that CBM provides a business ICT system useful for FIs so that CBM can charge fees and secure its own revenue sources. On the other hand, there is another view that CBM should keep the fee low so that many users can use the service with aims for speeding up financial settlement, securing safety, and promoting transition to electronic payment. The following table shows examples of the fees imposed by the operators of the large-value settlement systems. As shown in the table, the level and structure of the fee collection method is different by country, but representative patterns 107