- the unbanked
- ppl w/o credit cards
- young ppl
- migrants
- ppl w/o homes
- ppl w/o cell phone
- ppl who cannot read
- ppl who are not computer literate
- ppl w "poor" credit
- many elderly & disabled ppl
- the unbanked
- ppl w/o credit cards
- young ppl
- migrants
- ppl w/o homes
- ppl w/o cell phone
- ppl who cannot read
- ppl who are not computer literate
- ppl w "poor" credit
- many elderly & disabled ppl