As per the World Bank Global Findex 2014 report, two billion adults in the world are financially excluded i.e. they do not have access to reasonably priced financial services from sound and sustainable financial institutions. That is 38% of world’s adult population. The numbers are even larger when we add lack of access to credit and lack of insurance services.

In an increasingly digital world, with mobile infrastructure, legal identity (papers / biometrics) and new technologies, this gap can be bridged in a commercially viable manner.