Hello all From a finance point of view. Availing critical financial services to the worlds unbanked  population is mandatory to economic growth and development. Somali is one country out of two in africa that is not given any finacial assistance to its balance of payment through the IMF and the likes. Last year alone they recorded a growth in GDP of 3 percent. Thanks largely to its money transfer system that has helped boost the growth. Digital financial inclusion is mandatory to growth and development of economies (third world economies) where batter trade in some of these region is a norm, lack of proper health care services and a resilient poverty may be due to lack of relevant education, financial awareness, and proper planning from the income generating population. Services such as health insurance, banking, if addressed properly in a non exploitive manner may lead to greater saving and investment opportunities to these communities. Through use of the digital realm which has penetrated through the communities then services like money transfer can be a greater contributor to the economic and social development of these communities where a discrimination in pricing chargwes can be applied to favour a 200 kshs transfer that costs 53 kshs. People are afraid to save where it cost them, they are also afraid to spend where it cost them much more than holding money at home or having the money into a preferrable legal tender  (as livestock for batter trade ). What i simply mean is that having the same costs that affect the middle class standard of living should not apply to low income earners. Sent from Samsung Mobile