I like the points raised by yokov. Most of the unbanked might not necessarily want to remain unbanked but the issues revolved around been banked might discourage them. Take Nigeria as a case study, most unbanked find banking services quite expensive eg. one who does not have enough to feed cant maintain a bank account because of certain charges attached to such accounts like sms alert charge, debit card charge and account maintenance charges. Also for most of them there are no incentive for been banked most especially where access to cash barely exist. Sowe should focus more on why they are not banked.