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Good article and good premise, affordable, innovative technology can play a strong role in financial inclusion. Of course, it still needs to be implemented in a prudent and responsible fashion, lest you escalate the problem instead of reducing it.

For anyone interested in banking technology, I encourage you to visit and volunteer at the Community for Open Source Microfinance ( It's an open source community, run largely by volunteers like myself who are lending our banking and technology experience to create free and open financial inclusion solutions, starting with a core banking system.

Check it out!