Financial inclusion (FI) is a global movement under the World Bank programs to make the poor is able to access any financial service. The Rate of FI in Indonesia achieve 32 %, this means 68% of the poor are not reached by any financial services while the average in the world is only 50%. Besides, the poverty rate in Indonesia is 59%. Hence, FI is urgent for Indonesia to tackle the issue. Meanwhile, in Indonesia, it’s just started by adopting mobile payment system, the vision and mission concept have been arranged by the government. Currently, the most literatures and practices is just partial. The research on geographic and community based is being neglected. It is therefore, this research aims to accommodate specialties of Indonesia which is very heterogeneous in term of areas, values, traditions, customs, communities, and local wisdom. This study is a qualitative approach by conducting interview to the stakeholders, deductive method is used to explore and to design the proposed model. The result offered three scenarios; the appropriate model is community based, then, standard global model of FI, and finally, mobile payment system based on gold as measurement of value. By accommodating the community model which is implemented together with the two models will strengthen to national unity. Keywords: Financial Inclusion, Unbanked People, Community, Mobile System.