Things on modern financing will come to light in near future of if technology can reach out the outskirts of every nation. Signals for internet and networks are already that wide spread so mostly populated areas are being covered. another thing to help the transition is to educate young ones with the modern concepts of money which is already introduce nowadays. So i guess, aside from banking(traditional way), digital savings/banking are already getting popular. And BTC already reach the height of its popularity so i guess we are on our way to modernization.