The curriculum will also be translated into national and main regional languages including Urdu, Sindhi, Punjabi, Pushto and Balochi. The Program is financed under the ADB-funded Improving Access to Financial Services Fund (IAFSF) and implemented under the oversight of the IAFSF Committee which has representation from SBP, Pakistan Banks’ Association, Pakistan Poverty Alleviation Fund, Pakistan Microfinance Network, education sector, and the ADB.
Despite all the above efforts, the extent of financial exclusion has remained staggering. BIS central bankers’ speeches  3  Why did these efforts fail? 13. The target driven approach to social banking could be counted as one of the main reasons for the failure of these efforts as these initiatives could never become part of the business strategies of banks.