Villagers in rural areas faced barriers in accessing banking services and saving money. Banks were far from villages, and villagers were often illiterate and did not understand existing banking schemes. As a result, villagers did not recognize the need to save or have enough money to deposit in banks. To address these issues, the team emphasized with villagers about the challenges of accessing banks. They defined the need to save, created prototype banking schemes tailored to villagers, tested them, and iterated based on feedback to develop revised schemes that met villagers' needs and circumstances.