It is highly desirable on social as well as economic grounds that members of this class are brought into the banking fold and the UCBs can certainly take a lead in this. UCBs should design their business model to be self-supporting initially, and profitable in the long run. They should integrate their financial inclusion plan into their annual business plans.
UCBs should give wide publicity to their services to connect with large population segments. It is also important to keep in mind that the service provided should be at an affordable cost and in this regard, technology will play a big part. With the wide reach of mobiles, mobile banking as an avenue for furthering financial inclusion has to be explored.