Most importantly, banks need to perceive Financial Inclusion as a profitable, commercially viable business and not as an obligation. This can be attained through product innovation, use of technology for lowering cost of transaction and cross selling of products and services after thoroughly understanding the rural markets. Mobile banking has tremendous potential in this respect.
Effective  6  BIS central bankers’ speeches  leverage of Information and Communications Technology (ICT) solutions, duly simplified, and use of products such as smart cards, biometric handheld devices, mobile and basic level ATMs, etc. can aid cost reduction. Cultural and attitudinal changes at grassroots, especially at the level of branches are needed to impart organizational resilience and flexibility.