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All over the world, the population in rural and semi-urban areas is a majorconcern for policy makers as they require technology enablement most to getelevated from their living conditions. Financial Inclusion projects are meantto work in this area as well. However the reach of financial institutions inthose areas is much lesser than in urban areas in general. New policies andstrategies are being made towards making banking services more accessible tothe people in rural and semi-urban area. Technology, in particular Internet ofThings (IoT) and Mobility can play a major role in this context as an enablerand multiplier. This paper discusses about an IoT and Mobility driven approach,which the Financial Institutions may consider while trying to work on financialinclusion projects.

Heuristic Algorithm using Internet of Things and Mobility for solving demographic issues in Financial Inclusion projects