The Unbanked: How mobile phone data can replace a credit history

“A phone can tell a lot more about customers than they agree to tell by their own. Moreover, an access to a mobile phone will give more diverse and reliable information than a passport or other papers can,” the co-founder of MicroMoney Anton Dziatkovsky said.

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Catch-22 for the Unbanked: how can two Billion People find the way to the Global Economy?

According to the McKinsey, two billion individuals and 200 million micro, small, and midsize businesses on emerging markets today lack access to savings and lending service, and even those with the access have a limited range of financial products.

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Is Western Union Doomed or an Income Value?

Western Union is making a lot of money and generating a lot of float for its size. It’s also easy to see why its stock value is going up. Ycharts reported that investors were rewarded with a dividend yield of 3.13% and a return on equity of 63.2% on September 16, 2016.

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