Countries like China, Brazil, South Africa, Mexico, Kenya and Philippines have implemented various technology-based financial inclusion programmes and their success stories have been replicated in various countries albeit with modifications based on local needs. Internationally, there are different approaches towards delivery of payment services to the unbanked and under-banked customers using innovative methods.
For example, the BC model with traditional PoS devices and cards is used in Brazil and China. The Mobile based payments are extensively used in Kenya, South Africa, Philippines and Mexico. A few countries like the USA and China use pre-paid payment cards as an instrument to provide payment and banking services to the unbanked population.