The customer pays for the installation of the solar water pumping system under the EPC model, hence the asset belongs to the customer. The ownership is transferred to the user upon payment of capital. The consumer makes the upfront payment for the assets, installation, and commissioning. In this model, consumers own the system, fund it, and consume the energy/water generated, so the consumer is responsible for the risks associated with the operation, management, and maintenance of the system. Often the consumer finances this through bank funding. However, in this model, the owner has the maximum risk.