Munir Uz Zaman/AFP/Getty Images

الخدمات المالية للجميع

كامبريدج- نظرا لإن الخدمات المالية التقليدية ليست مصممة للمودعين والمقترضين الصغار فلقد تمكنت عدة نماذج غير تقليدية من الإرتقاء بسرعة في هذا السوق غير المستغلة ولكن بدون خارطة طريق إستراتيجية للسياسات من أجل توجيه تطوير تلك التقنيات المالية الجديدة فإن نماذج " حلقة الوصل " هذه ستبقى محدودة بالنسبة للخدمات التي يمكن أن تقدمها.

لقد كان نجاح تطبيق الهاتف النقال للدفع "م- بيسا " في كينيا بمثابة نقطة تحول . لقد تطلب الأمر أن تدرج شركة بايبال مرتين على الناسداك والعمل لمدة عقدين من الزمان تقريبا في أضخم إقتصاد بالعالم من أجل الوصول إلى 188 مليون زبون فعال و 282 مليار دولار أمريكي على شكل دفعات سنوية . أما م –بيسا فعلى الرغم أنها تعمل لإقل من عقد من الزمان في سوق نسبة الدخل فيه  أقل بكثير ، إلا أنها تمكنت من جذب 17 مليون مستخدم فعال قاموا بإجراء معاملات مالية غير نقدية وصلت قيمتها إلى 50 مليار دولار أمريكي في العام الماضي.

تهيمن شركة ب كاش كذلك على نظام الدفع في بنغلاديش لدرجة أن اصبح إسم الشركة من الكلمات الدارجة باللغة البنغالية مثل "زيروكس" و"هوفر" و "جوجل" باللغة الإنجليزية .

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