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“It’s a considerable improvement, compared to what it was before,” he said. “Now, people have to register themselves and open a bank account.”

Mr. Sopko’s letter also expressed hope that changing the trusted agent option and expanding mobile technology would ensure more full, timely payments to Afghan law enforcement officers.

“Increased participation in the [mobile payment] program should reduce the administrative and managerial costs per transaction associated with the mobile money system,” Mr. Sopko wrote. “If expanded participation in the mobile money program results in lower costs and the virtual elimination of salary-skimming, it will be a step forward.”