Those two things aren't correlated. Lots of people without access to the banking system have mobile phones, and services have emerged to bring them into the sys

Those two things aren't correlated. Lots of people without access to the banking system have mobile phones, and services have emerged to bring them into the system. For example, M-Pesa [0] is the first one that comes to mind. [0] https://en.m.wikipedia.org/wiki/M-Pesa https://en.m.wikipedia.org/wiki/M-Pesa