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The emergence of doorstep banking provides several merits, including enhanced convenience for customers, especially the elderly or those in remote areas, as it allows them to access banking services without traveling. It also promotes financial inclusion by reaching underserved populations. However, demerits include potential security risks, such as fraud or theft, and the possibility of reduced personal interaction, which might impact customer relationships and trust. Additionally, the operational costs for banks could increase, potentially affecting service fees.

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