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In my part of the world(philippines), rural banking is the way to go for most small municipalities. Whenever there's a paved road, chances are, there's a small rural bank somewhere. Of course the hinterlands is altogether a different matter but I do think we're getting there with the advent of cellular technology. Once people in far flung barrios started getting their hands on mobile phones, banking (even if it's the mobile banking that Bill & Melissa Gates are financing for third world countries) is inevitable.