Great vision displayed! However, do yourself a favour and talk to SureBank - they have already transformed this vision into a working reality in South Africa, with the innovative application of technology, making provision of low-cost end-user banking services possible through a proprietary webbased banking platform, enabling employers at worksites, retailers in rural areas, etc. to perform and deliver all basic banking services, wherever the most basic connectivity exists. Furthermore, their USSD2-based CellBank functionality enables the typical client to do everything that other banks only allows on internet banking, without having to fork out a heap of money to buy a smartphone. SureBank clearly shares your vision!