Good article and good premise, affordable, innovative technology can play a strong role in financial inclusion. Of course, it still needs to be implemented in a prudent and responsible fashion, lest you escalate the problem instead of reducing it.
For anyone interested in banking technology, I encourage you to visit and volunteer at the Community for Open Source Microfinance (www.openmf.org). It's an open source community, run largely by volunteers like myself who are lending our banking and technology experience to create free and open financial inclusion solutions, starting with a core banking system.
Check it out!