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Move over fintech. Human agents drive financial inclusion



Technology is helping give more people access to payment, saving, loan and investment services. But Greta Bull, head of the Consultative Group to Assist the Poor, says the real game changer is distribution. The key to M-Pesa’s mobile payments system, for example, is its network of agents who allow customers to convert cash to digital money and back again. Better use of data, improved policy environments and open ecosystems round out her four drivers of financial inclusion in the coming year.

Photo credit: thinkM-pesa.

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