"A key recommendation in the report was expanding adoption of digital technologies, with an eye on POS and other devices" This is the key to moving forward: currently, banks are right that it's simply not profitable to serve low-income folks. But with better software, this could change: https://www.youtube.com/watch?v=-QgsJMEcpNg

If we can improve the tech that powers our financial system, then we can begin to reach into markets who need services the most - a social good, and a fiscal one. Win win!