In view of the approaching deadline, new instruments need to be found to finance the restructuring of the most fragile institutions, when possible preventing crises and the resulting negative  externalities for the whole sector.
More than half the households in the country do not have a bank account, and a larger number of those that do, do not use the banks account in any meaningful sense. Of the 600,000 habitations in the country, only 30,000, or just 5% have access to a bank branch. Redressing this woeful story is the challenge of financial inclusion.