•  Through voluntary effort by the banking community by evolving various strategies to bring within the ambit of the banking sector the large strata of society, and more importantly;  •  Creating a demand by the people themselves to pull the banks, financial institutions and other service providers towards them to offer banking and financial services at a competitive and affordable rate.
This will go a long way in not only financially  6  BIS Review 96/2009  including and empowering the people but also as an avenue of providing excellent business opportunities for the financial market payers.