Banks using agent networks and even working with telecommunication companies to reach a wider spectrum of the population will no doubt bring consumer issues to the forefront. Such innovations and financial products will require the approval of the Reserve Bank so that consumers’ interests are safeguarded. Financial disclosure Let me say something about disclosure.
$ vs $  (v)  Portfolios of poor by Daryl Collins, Stuart Rutherford  •  India, Bangladesh and South Africa  •  Need sophisticated financial management  •  Diaries – fascinating how they cope with everyday finances. •  The truth is that money management is, for the poor, a fundamental and well understood part of everyday life.