Banks should institute systems of reward and recognition for personnel initiating, ideating, innovating and successfully executing new product initiatives and services in the rural areas. Financial literacy and awareness Campaigns for spreading awareness about financial inclusion and financial literacy need to be intensified. This can be done through innovative dissemination channels including films, documentaries, pamphlets and road shows.
Stakeholders, including the regulators and policy makers, may launch large scale awareness programmes. Reserve Bank of India is in the  BIS central bankers’ speeches  11  process of launching electronic Banking Awareness And Training (e-BAAT) programmes to increase awareness about technology enabled financial services. Initiatives need to be taken for including financial literacy as a regular curriculum in school syllabus.