Digital technology can make financial struggles easier to manage.

1. Incrase of the bank accounts.

1.1. formal and informal financial systems

1.2. Plenty of transactions that could take place more safely and efficiently by electronic means are still conducted in cash.

2. Technological revolution

2.1. Mobile phones with movile phones services in differents contries.

2.2. Marginal grups marginal groups hardly have access to technology.

2.2.1. They don´t acquire an account because missing legal papers

2.2.1.1. more flexible identity standards

2.2.2. They don´t have a technological culture

3. He that hath not

3.1. Fintech startups

3.1.1. They are spending oodles on bringing finance into the digital age.

3.1.2. Their digital services are getting slicker, but are aimed chiefly at the broad mass of existing customers rather than poorer new ones

3.1.3. Market share

4. Computer says yes

4.1. The computers spread information about of people who are interested in a credit or loand, by means of an algorithm

4.2. Two thigs to make possible: created startups and get financial investors.

4.3. Oportunities business to inmigrants to have a posible give load by means technology