As with anything, it's important to understand the consumer. You can't build a payment company for sub-Sahara Africa from your SF highrise. I've been following

As with anything, it's important to understand the consumer. You can't build a payment company for sub-Sahara Africa from your SF highrise. I've been following the work of researcher Ignacio Mas on financial management in developing countries. He has a really interesting research and model on how people in developing countries (some of the research applies to unbanked/underbanked in US) view and handle money. See here: www.ignaciomas.com