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Finance / Banking / Insurance

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I devise innovative financial/banking services with a customer-focused vantage point. I am passionate about changing the world for the better... My personal goal is designing the future payments ecosystem hinged on three pillars (1) Total Inclusion (Agents and persons); (2) Cash Dematerialization; and (3) Digital Currency (e-Money). I have construed Financial Inclusión Model (FIM) which aims to achieve Total Financial Inclusión, Cash Dematerialization, besides serving the purpose of enacting a Preemptive Strategy for Central Banks and countries pursuing a progressive uptake of Digital Currencies. Peek at this model at www.josepayano.com.