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I have zero experience of international development but have been somewhat engaged with challenges of providing financial services and healthcare in remote rural parts of India. It is my belief that the only way to get robust and high quality services is to start with them. If one starts with lower quality ideas with the assumption that these are transition arrangements one becomes a prisioner of these arrangements and it becomes impossible to move beyond them. It is my belief and experience that with the help of newer approaches towards managing both human resources and technology it is possible to offer very high quality services which are also lower cost. These newer approaches have the potential, over time, to grow into a very high quality national system for financial services and healthcare while in the near term serving the most disadvantaged populations.