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The article focuses on a poverty reduction measure in India in which all Indians were provided basic bank accounts with the accounts remaining unused by most Indians, and reports the success of the program was the result of bank managers donating tiny amounts of money, between one and ten rupees to their own customers.

The article focuses on the calls for post office banking in the U.S. in 2014, which describes the offering of financial services to consumers by the U.S. Postal Service (USPS). Topics include how post office banking could offset revenue losses caused by the widespread use of electronic mail (e-mail), the number of Americans that are underbanked in 2014, meaning that they lack a bank account, and how post office banking could increase financial services for low-income or distressed Americans.

The article focuses on microcredit in India. A new report from the central bank, the Reserve Bank, argues that microcredit helps the poor and allows banks to increase their business, enhance their profit and spread the risk. Microcredit is already a flourishing business. "Self-Help Groups" (SHGs), supported by banks, bring together women who pool savings for a few months, allocate them to members who need small amounts temporarily, and are then eligible for a bank loan. The finance minister, Palaniappan Chidambaram, has promised to promote microfinance institutions and to help them to act as intermediaries between banks and borrowers. Despite its recent growth, however, microcredit is far less widespread in India than in neighbouring Bangladesh. Most of India's rural poor still do not have access to formal finance, a World Bank study found. Moneylenders are no longer as dominant as they were, but they still play an important role among the very poor. So there is a huge gap. Microcredit is a time-consuming business, where it is hard to achieve a big increase in market size without a commensurate increase in costs. Some see the solution in technology.

The article reports that the United Nations (UN) is focusing its attention on finance for the poor. In the next 12 months the spotlight falls on microfinance, the business of lending small amounts of money to the poor, taking deposits from them, transmitting money on their behalf and insuring them. No good data exist on how many people have access to financial institutions, the breadth and penetration of banks in poor countries, the real cost of a loan and the time it takes to get one, the ease of making a deposit and so forth. There is not even convincing information, beyond lots of anecdotes illustrated by photographs of women in rural villages, about whether microfinance makes any significant contribution to economic growth or is merely another philanthropic fad. The UN would do well to address the common complaint that banks ignore the poor out of class bias. If they do, the UN's interest may hasten change: some financial institutions are already making efforts to work with the poor, either directly or by providing wholesale services to smaller financial institutions.

This article looks at banking in South Africa and the effort to incorporate more South Africans into the country's banking system. According to the FinMark Trust, an independent body promoting broader access to financial services, over half of South Africans over the age of sixteen, close to 16 million people, do not have a bank account. The main reason is the lack of regular income, a common affliction in a country where over 40% of people are unemployed. Without a salary slip, it is difficult to gain access to banking services, and fees are hard to bear. Without much money, many see no point in having an account anyway. And it is little help that banks and automatic teller machines (ATMs) are rare in poor areas. South African banks, however, have signed a charter committing themselves to do their bit to redress the inequalities inherited from apartheid.