Access to financial services -

Think about ways to access to financial services: credit card?, go to a bank?, computer?, mobile?

Yes, but there is more complexity on what you can really obtain, you probably has though about perform payments or get cash. There is more!

Micro payment

Micro insurance

Microsaving

Microcredit

Peer to peer payments

In terms of power or concentration you will see so much evolution on the BRIC countries.

The intermediates are changing, the traditional bank and insurance companies are changing their way to offer the products.

There is already a big battle to be in the middle and take a piece of cent for each one of the transaction that happens today.

The risks as consumer are being redefined. You need to learn more about finance: yes, more.

There are investment banks that offer “global accounts” independently of the country you live.