A large section of society is still under served by banks. In this project I have tried to understand actual financial needs and cognitive potential of targeted user group which is different due to low levels of literacy, low monthly earning and low digital technology intervention. The most felt needs for this user group is of easy account enrolment, suitable savings, credit and remittance products with micro value transactions on a suitable delivery channel. In partnership with FINO’s current setup I have designed three design options: IVRS, IVRS + Flash Message and Multimedia Mobile Application.