Surely, it is not without reason that the rural folk are comfortable with persons like the postmen and even the local moneylender, with whom they have occasion to regularly interact. Banks would do well to address this need for building up a relationship and rapport with the rural clientele.
o  Use of Information Technology (IT) There are a variety of ways in which IT can be used by banks. Delivery of banking services through IT based solutions, such as mobile phones and smart cards, while keeping costs low, is one huge opportunity for increasing outreach afforded by modern technology that is rapidly innovating.