How technology is helping the world to access finance
12 November 2013 Last updated at 10:04 GMT
More than two billion adults do not have access to bank accounts, credit or insurance - in effect, they have no financial security.
The World Bank wants to change that - in its report on financial inclusion, it says it aims to provide financial access to all working-age adults by 2020.
BBC correspondents in Kenya, Bangladesh and Colombia explain how innovation in microcredit and mobile technology is changing lives around the world.