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in the next 15 years digital banking will bring basic financial services and security to millions it will give the poor more control over their assets and help transform their lives first key point is that banking is very important that if you have a medical need or you want to pay your kid school fee you need to be able to save and plan or you need to be able to borrow to meet that need and if youre poor sometimes you just cant meet the need you pull your kid out of school thats very inefficient lets say six months later you can put them back in there behind you buy a cow thinking youll get productivity but then youre short so you lose a lot of money when you sell it the kind of financial flexibility that we take for granted in rich countries about loans and savings once you youre getting down and youre very poor thats not available part of it is that the fixed cost of ATM machines and bank tellers and all that means that small transactions are money losing in the old system