不难想象,今后十年内大多数人都将拥有一部智能手机。本文探讨将金融服务业延伸至大量中低收入居民时所能带来的益处。尽管这些居民对金融服务所能带来的价值始终持怀疑态度——他们并不信任正规金融机构,对其在机构中受到的待遇也感到不适。本文分析了智能手机的六大固有属性,这六大属性将在很大程度上改变普通手机以及储存卡的现行市场动态。客户端的变化:图形用户界面。可支持各种外设(例如读卡器或者小型打印收发器)。相比传统通信渠道而言更低廉的移 It is not hard to imagine that most people will own a smartphone in the next ten years. This article explores the benefits of extending the financial services industry to a large number of low- and middle-income residents. Although these residents have always been skeptical of the value that financial services can bring - they do not trust formal financial institutions and feel uncomfortable about their treatment in institutions. This article analyzes the six inherent properties of smartphones, these six attributes will largely change the current market trends of ordinary mobile phones and memory cards. Client Changes: Graphical User Interface. Can support a variety of peripherals (such as card readers or small print transceivers). Much cheaper than traditional communication channels