Many developing countries continue to struggle with financial inclusion, particularly in remote and rural regions where geographical barriers and inadequate infrastructure limit access to formal banking services. This challenge is exemplified in Suriname, where rural populations including Indigenous communities and low$-$income households encounter significant barriers when attempting to access basic financial services such as bank accounts, credit facilities, and digital payment systems. Although digital banking technology has evolved considerably, its adoption remains limited in these underserved areas. Through programs like Mopebanking and mobile banking services that target rural areas, Commercial banks in Suriname have attempted to extend their reach. However, these efforts typically manifest as isolated, short$-$term pilot projects lacking sustained engagement and genuine community embeddedness. Their effectiveness is compromised by several factors: insufficient digital literacy among rural populations, skepticism toward formal financial institutions, and inadequate technological infrastructure. This situation highlights the necessity for more comprehensive approaches that are not only technologically viable but also responsive to local contexts, aligned with cultural norms, and designed for long$-$term viability. i want to paraphrase this