This research paper discusses how to solve the problem of lack of access to financial services that have the vast majority of the population of developing countries. The proposed solution takes the hypothesis that the lack of access to financial services is mainly due to a supply problem. The business models used by financial institutions operating in developing countries are inadequate and inefficient by not allowing profitably serve low-income segments. This supply problem to be solved needs of developing low cost business models for the distribution of microfinance services adapted to serve segments of low-income population profitably.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.