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The FIM purpose is to achieve TOTAL FINANCIAL INCLUSION. There is only one absolute prerequisite. All users must have access to, at least, a low bred feature phone. Once they have this: (i) They will be able to open FI account on the fly, straight from their phone; (ii) They will be able to load their e-Money Purse at thousands of endpoints (agents), and they will be able to save and borrow directly from their phone… Furthermore, dynamic scoring will determine “marketing offers sizes” on the spot and people will have access to Savings and Credit a few days after starting their account.
The FIM allows anyone with a feature phone (smart phones included) to initiate a (mobile) Bank Account directly from their device in an unattended transaction. The account resides in the e-Money Management System. An Agent Network features the Bridge-To-Cash Component which allows users to de-materialize cash by (i) Either cashing in at agent station, or (ii) receiving a Transfer from another e-Money Account Bearer. The Bridge-To-Float component seamless integrates the current banking and Payment system into the e-Money Ecosystem allowing banked and un-banked population to execute transactions in tightly-knotted ecosystem.