The lowering of costs through technology can allow the harmonization of popular forms of finance with formal services. We should learn, then, to assimilate financial schemes which originate in society. Numerous experiences prove that modifying paradigms and using creativity to extend financial services is not only an activity with enormous social impact, but also, good business. BIS central bankers’ speeches  3
My late grandmother, who was born one hundred and one years ago tomorrow, was born into this society and grew up in a time in which women were thoroughly second-class citizens. Now it is also important to highlight that progress did not happen in a linear fashion.