Building on yesterday’s discussion of the digital divide turning into a human divide*, I find it intriguing how we talk incessantly about financial inclusion and how technology will bank the unbanked. It is our dream. But is it just a dream?
The reason for thinking this is that poverty and inclusion is yet another area, like identity and clearing and settlement, where technology is not the solution. It can assist in creating a solution, but it’s just part of the solution. The first part – before the technology – is the willingness to use the technology to create a solution.