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Over 1.7 billion adults in world are not provided with basic financial services, a depiction of the main obstacle to their financial inclusion in developing markets. This underlines the fact that financial infrastructure gaps serve not only to show the imbalance in its distribution but also the room for innovation that can cater to this gap.

Consider a fresh-face business student, Jamie who is striving desperately to find that single elusive textbook on the valuation of inventory, winding his way through the narrow passages of the university library. The night before an exam that can make or break a student´s future panic sets in. Panic beyond just mild tension over having to d...