Solving the pressing problem of poverty and financial exclusion is possible. The business models, cost profiles and shareholder expectations of South Africa's financial institutions do not make provision for a mutual gains approach. Everyone needs access to capital to create value. This cannot happen while the micro lending industry and banks continue to exploit their customers.
Despite the launch of dozens of mobile payment platforms, e-wallets technology platforms, the realization of true financial inclusion for the poorest and most neglected communities in South Africa and beyond remains un-achieved. However, that is about to change with the imminent global activation of the FORUS Global Digital Exchange.