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David Jackson Kileo, owner of Kaka Shop in Nairobi, Kenya, uses Mastercard Kionect to order goods via text. The PayPal executive pointed to a wall poster showing the store charged $1 to cash a $25 check, up to $40.60 for $2,000. "That would be kind of neat if we could put checks into PayPal and not charge that number," he says about the higher figure. Kunze hit on a reality that billions of people worldwide know too well: Being poor can cost you a lot of money. About 2 billion people, including an estimated 9 million US households, don't have bank accounts or access to a financial institution. According to the World Bank, about 20 percent of these "unbanked" adults get their wages and pay their bills in cash. That's risky and makes it harder to save, two reasons the Gates Foundation sees digital money -- which can be received and transferred using even the simplest feature phones -- as key to helping break the cycle of poverty.

Now payments and tech heavyweights including PayPal, Mastercard, Amazon and Samsung, along with a growing list of financial tech startups, are working to offer more banklike services -- including apps, mobile systems and cryptocurrencies -- to those often ignored by traditional banks, But providing new financial services to those who never had them comes with challenges, Tech companies will have to educate people on the basics of these payment systems, such as remembering a PIN and how they can deposit, withdraw and send money, the World Bank says, Companies will also have to shell out the upfront costs for a reliable payments infrastructure, or few will use it, And they'll have to prove to consumers that their services are trustworthy and safe, Kenya's M-Pesa protective hardshell case for apple iphone xs max - cream with stones/hollyhock floral clear mobile money system shows it can be done..

Launched 11 years by Safaricom, the country's largest mobile telecom operator, M-Pesa is now used by more than two-thirds of Kenya's adults. M-Pesa offers a glimpse of how other systems could work. In Kenya, you simply hand cash to one of Safaricom's agents (often in the same shop selling airtime), who credits that money to your M-Pesa account. Transferring money is as simple as calling up a menu on your feature phone. "I think the [unbanked] numbers will go down, but how we judge them will change as well," says Mike Elliott, a Mastercard executive focused on giving more people access to payment and money transfer tools, often referred to financial inclusion. But access is just the first step, he says. How an account will actually be used will be even more important.

Elliott oversees a Mastercard lab in Nairobi, Kenya, that's funded by the Gates Foundation, There, the 22-person team prototypes and commercializes financial products for the protective hardshell case for apple iphone xs max - cream with stones/hollyhock floral clear developing world, The scale of the mission is huge, since about 85 percent of transactions worldwide are still done in cash, One of these efforts is called Kionect, a new way mom-and-pop shopkeepers in Kenya can buy supplies via text messages on their feature phones, Used by 1,500 retailers, the system helps shops build up financial histories they can then use to gain access to credit, loans and insurance..

A Safaricom M-Pesa outlet in Ntulele, Kenya in 2009. "People are really familiar with cash, and that's the challenge for us," says Elliott. "People don't wake up in the morning saying, 'I really want to make a digital payment.'"Then there's Samsung's Contactless Companion Platform, or CCP. Introduced last year, the system uses NFC technology that lets a phone, wearable or key fob make small digital payments. Samsung initially viewed the system as a way to help adults in Europe and the US give their kids some pocket money. But the Germany-based engineers who designed it -- all with bank accounts, credit cards and smartphones -- didn't anticipate how far this idea would resonate.

"Over the last 12 months, we've received inquiries from all over the world," Samsung's Thomas Arenz says, Samsung ran a pilot program in East Africa, where mobile money networks, such as Kenya's M-Pesa, are already widely used, Two more pilots -- one in the Bahamas dubbed "Island Pay," and another in Central America -- are set to kick off in the coming months, Cryptocurrencies like bitcoin offer another option for serving the world's unbanked, Sebastian Serrano, CEO and co-founder of Ripio in Argentina, is on the protective hardshell case for apple iphone xs max - cream with stones/hollyhock floral clear forefront of this effort..

Sebastian Serrano, left, CEO and founder of Ripio. Ripio offers a mobile bitcoin wallet and a cryptocurrency-based loan network in Argentina and Brazil, countries where banking and credit customers pay high interest rates, have fewer banking options and struggle with unstable currencies, he says. "Our mission is to give access to this new network of bitcoin and other cryptocurrencies, and use it as a tool for financial inclusion," Serrano says. Similar to Prosper or Lending Club, Serrano's company allows regular folks to lend money using cryptocurrencies that are converted to Ripio's own digital coin, called RCN, and converted again into a local currency. The process allows Ripio to offer the service to lenders all over the world, not just local markets.

Sure, people from countries with a stable currency protective hardshell case for apple iphone xs max - cream with stones/hollyhock floral clear may scoff at investing their nest eggs in bitcoin, But Serrano says that, despite its own volatility, virtual currency can be a safer bet than the Argentine peso, which suffers from rapid inflation and repeated collapse, "You know for sure it will lose value," he said of the peso, "There is an outlook for bitcoin to appreciate."Greta Bull, a director at the World Bank and CEO of the Consultative Group to Assist the Poor, disagrees, She doesn't think bitcoin is the right tool for enable financial inclusion..

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