Beyond this generalisation, there are specific areas of need where the Bank of Botswana has observed what I would call “cherry-picking” of easier to deal with customers and sectors and eschewing of some areas of  greater need where the developmental impact can be larger and more pervasive.
Improving access to financial services remains one of the major developmental challenges in the country and a collaborative effort is needed to extend financial services to the unbanked majority. It is estimated that approximately 85 percent of the adult population is excluded from the formal financial sector and live a subsistence lifestyle well below global poverty line.