All this has the potential to give the " unbanked " masses access to financial services , and bring them into the formal economy .
所有的这些都可能让提供大量的“非银行”金融服务渠道,并将他们融入到正式经济中。
" The really outstanding innovation is coming from emerging markets , " says noel gordon of accenture , a consulting firm . " They are using the unbanked as a big laboratory to pilot new ways of banking . "
For retail customers banks must be there too : providing basic banking services for those currently unbanked ; improving access to banking as well as reducing costs by extending mobile and internet banking ; then , in time , providing mortgages and loans for those who want to invest in their family 's future .
As they start to benefit from a regular income , millions of the " unbanked " will join the formal banking system . As they save and prepare for their retirement , workers will demand pensions , insurance and asset-management products .
" The vast majority of the population is unbanked and trapped in cash , " says kathleen mcgowan , senior policy advisor with the washington-based u.s. agency for international development . "
As the country picks itself up from the 2010 earthquake that killed more than 250,000 people , he needs to convince its unbanked masses , many of whom are illiterate , to embrace the digital age with mobile financial services more sophisticated and advanced than anything available in north america or europe .