Consider that many more have internet and a smartphone than a bank account. There are over 1 billion unbanked in the world, many of those have internet and smar

Consider that many more have internet and a smartphone than a bank account. There are over 1 billion unbanked in the world, many of those have internet and smartphones. You would be surprised at the spread of smartphones amongst the world's poor - much greater than the prevalence of bank accounts with FDIC insurance or the equivalent.