Financial Inclusion:
Bringing Opportunity
to 2 Billion People

2 billion people do not have access to financial services

It is almost impossible for people to get out of poverty when everything has to be done in cash, and have limited access to other financial services like credit, insurance, etc…

The world is changing - Mobile Money

Almost everyone in developing countries now has a cell phone, and access to a Mobile Money account. Unfortunately these accounts currently have limited use.



People can only send money electronically to others who have an account with the same mobile company.

Limited Reach

All mobile money providers and banks need to be connected together, so people can transact with anyone else: sending money, payroll, bills.

Unlimited Reach


It’s not possible to make tiny purchases electronically, so cash is needed for almost everything.

Physical Cash

Tiny purchases must be able to be done cheaply and easily electronically. Physical cash would then no longer be necessary.

Everything Electronic

Other Services

Access to other financial services like micro-credit and insurance are costly, if available at all.

Difficult to get

Other financial services should also be available electronically, increasing access and reducing costs: micro-credit, insurance.


Needed: Interoperability

What is needed is interoperability: the connecting of different systems together to facilitate transactions and services.

Most important is the Mobile Money providers and banks to be connected to each other to facilitate financial transactions: sending funds, payroll, bill payments, and micro-purchases. This could extend to international remittance.

If this interoperability infrastructure can also accommodate other organizations, then an ever widening range of other services could become available. For example, governments, utilities, MFIs and insurers.


"We will be able to lend more money
to more people for a lower interest rate."

Clear Purchase

Financial Transactions

There are many challenges specific to fiancial transaction that have to be considered in any interoperable infrastructure. This includes things like transaction integrity, transaction liability, dispute resolution and fraud prevention. It is also important to consider the specific needs of people and organizations in each country, how to integrate existing financial infrastructure, and also all appropriate regulations.

Our team has the range and depth of expertise to be able to have a real impact, and the drive to make a difference.

Our Mission:

We are dedicated to
making Financial Services
available to Everyone.

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