Almost half of the Solomon Islands' adult population still has no access to basic financial services.
The Solomon Islands Broadcasting Corporation reports the Pacific Financial Inclusion Program saying the country faces several challenges in providing sustainable financial access.
These include geography, low population density, poor infrastructure, low financial literacy and numeracy, high costs and low capacities.
It says just five major towns have commercial banks and six of the nine provinces have no branches.
The report says with almost 80 percent of Solomon Islanders living in rural areas, the delivery of financial services will remain a significant challenge for some time.