A White Label ATM (WLA) operator is evaluating the profitability of a new site. The operator earns 15 rupees per cash withdrawal and 5 rupees per non-cash transaction (balance inquiry). The monthly operating cost of the site (rent, security, network) is 45,000 rupees. If the machine handles 100 cash withdrawals and 50 non-cash transactions per day, calculate the monthly profit or loss of the operator (assume a 30-day month).

A bank is comparing the 'Cost per Transaction' across three different delivery models: 1. For a Physical Branch, the fixed monthly cost (rent, staff) is 10,00,000 rupees and it handles 10,000 transactions per month. 2. For an ATM, the fixed monthly cost (maintenance, electricity) is 50,000 rupees and it handles 5,000 transactions per month. 3. For Mobile Banking, the infrastructure cost is 2,00,000 rupees per month and it handles 2,00,000 transactions per month. Calculate the 'Cost per Transaction' for each model and identify the most cost-efficient delivery channel.