In fact, I have three bits of advice. First, remember that financial inclusion is more than chasing and meeting a target. To cover every household with a bank account is necessary, but not sufficient.
Banks must also ensure that the bank account is active – which means that the household is using that account for saving, for remittance and is also getting credit and where necessary micro insurance. In other words, make sure that financial inclusion is “meaningful”. Second, look upon financial inclusion not as an obligation, but as an opportunity.