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An estimated 2.5 billion adults do not have access to banks. Unsurprisingly, they are among the world's most destitute: According to a report released by the World Bank and other development groups, about three out of four adults living on less than $2 a day, from farmers in Tanzania to slum-dwellers in India to seamstresses in Bolivia, lack an account with a formal financial institution. But many of these people do have cell phones. Beyond simply helping people stay in touch, the devices are being used to report fair-market prices for crops, document wartime atrocities, and even track the spread of disease. The technology is also reinventing a key tool for economic growth: banking. Developing economies remain dominated by cash. But mobile money has in many ways already started to reshape the very architecture of financial services for the better. Adapted from the source document.

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