​​​Financial InclusionNow, Carrier Commerce Leading a Ubiquitous Digital Economy
                                                                                             Cross-pollinating Strategic & Tactical Success-Knowledge

Industry Knowledge Community 
Committed to having Ongoing Impact on 
Carrier Commerce and thus Financial Inclusion

About what inspires FINCCLUDE

FINCCLUDE in essence has a crowd-consulting model.  Besides free membership, FINCCLUDE offers facilitating the finding and sharing of success-knowledge for free and without obligation to global industry colleagues and stakeholders  in ecosystems of Carrier Commerce that impact Financial Inclusion.  As operational challenges the industry faces can often be time sensitive,  FINCCLUDE strives to operate akin to a rapid-response-unit. Why?  Besides sharing a passion for this space, FINCCLUDE members also understand the social impact of our efforts (plus see opportunities for personal visibility,  networking                                                                                            and growth).  FINCCLUDE has partnered with TicketsatWork thus FINCCLUDE volunteer members receive the benefit of exclusive discounts of up to 60% at 225K hotels worldwide,                                                                                     as well as with rental car companies, concerts, sporting events, theme parks, ski resorts and more - a thank you to volunteers willing to be on standby to share expertise.      

Unlike typical industry associations, membership in FINCCLUDE is free.  By eliminating the traditional pay-to-play model, FINCCLUDE's "industry-knowledge-community"  has access to optimal brain power, optimal 'knowledge-cells' from all levels of management, any age, any stakeholder in any of the ecosystem sectors of Carrier Commerce that help advance Financial Inclusion, from any nation globally.  We are industry experts with insights, experiences and passion for this space.

While significant progress with advancing Financial Inclusion has been achieved by Carrier Commerce already, there is significant work ahead to financially include the remaining 1.7 billion.  FINCCLUDE is ready to help global industry ecosystem stakeholder colleagues involved in providing Financial Inclusion solutions via Carrier Commerce by harnessing the expertise and success-knowledge of our members ... our proof-of-concept operational strategic and tactical knowledge.  FINCCLUDE's help impacts the industry and thus impacts advancing financial inclusion ... faster. 

About who FINCCLUDE is

In both the developing and developed portions of the world, a total of approximately 1.7 billion people (out of the world's 7B+ total population) remain financially excluded.  One industry has rather quietly demonstrated a differentiated ability to reach those financially excluded populations. That industry is Wireless Telecom Carrier/Operators.   

Inside and outside of the Telecom industry, most understandably view the Telecom business as one that provides networks.  Certainly Telecom's wireless networks have brought connectivity to virtually all remote corners of the world.  In parallel, the are now over 7B wireless accounts as mobile phones are close to reaching total ubiquity throughout the developed and developing world.   

The other crown-jewel of Telecom is their known and trusted billing capabilities and direct billing relationships ... a core-competency that visionary and courageous leadership of Telecom Carriers globally are increasingly appreciating, harnessing and expanding - especially as it pertains to helping bring financial inclusion solutions to the financially excluded globally.  Many who have had responsibilities for leading Carrier innovation with Commerce related initiatives know that there were countless strategic and tactical issues encountered and overcome.  From legal and regulatory issues, to financial risk challenges, IT design questions, awareness driving and obstacles to encourage adoption and usage, customer care and trust building ... countless issues impacting strategy and tactics of all stakeholders in the ecosystems of sectors of Carrier Commerce that help advance financial inclusion globally.  The knowledge-base of FINCCLUDE's global membership is continually growing - a free resource that can help save time and expenses on strategic and tactical matters that our members have faced and overcome.      

FINCCLUDE's Longer Term Outlook

                                                                            Leveraging the growing knowledge base of Carrier Commerce to cross-pollinate                                                                     success-knowledge, to help advance Financial inclusion faster is but a first step.  Global bodies generally have a aim of 2020 to onboard the remaining ~1.7B financially excluded.  

To truly serve the targeted financially excluded communities, the growing Carrier Commerce knowledge base can continually be harnessed to cross-pollinate success-knowledge as this communities move up the logical progression from Financial Inclusion to Financial Literacy then upwards through many levels of Financial Sophistication, ultimately to the longer term global imperative of Sustainable Development  .... each and all vital steps to help ensure that initial inclusion was a meaningful step on lifetime journeys that help individuals, families, communities, regions and nations more fully enter and thrive in the main streams of the global economy.       

FINCCLUDE's success-knowledge  information sharing approach is proven model of AFI (Alliance for  Financial Inclusion - which receives millions of dollars in funding assistance from the Bill & Melinda Gates Foundation).   While AFI promotes and develops evidence-based policy solutions that help to improve the lives of the poor",  FINCCLUDE harnesses and shares success-knowledge and best practices to help carrier commerce address common financial inclusion related strategic and tactical operational challenges that help improve the lives of the poor faster, plus sustain important progress and momentum.    

Countries remaining that could benefit from financially inclusion by carrier commerce

Andorra, Angola, Antigua and Barbuda, Aruba, Bahamas, Barbados, Bhutan, Brunei, Cape Verde, Comoros, Cuba, Curacao, East Timor (Timor-Leste), Equatorial Guinea, Eritrea, Grenada, Guyana, Holy See, Iceland, Jamaica, Kiribati, Lao PDR (Laos),  Libya, Liechtenstein, Macau, Malta, Marshall Islands, Mauritania, Micronesia, Monaco, Mongolia, Namibia, Nauru, Nepal, Netherlands Antilles, North Korea, Palau, Saint Kitts and Nevis,  Saint Lucia, Saint Vincent & Grenadines, San Marino, Sao Tome & Principe, Sint Maartin, Solomon Islands, Suriname, Syria, Trinidad and Tobago, Turkmenistan, Tavalu, Uzbekistan                       ​​

Carrier Commerce 

Quietly Improving Countless Millions of Lives Globally with its increasing suite of solutions that help advance global Financial Inclusion 


Copyright © FINCCLUDE (Financial Inclusion Now, Carrier Commerce Leading a Ubiquitous Digital Economy). All rights reserved.

Today's global landscape for Carrier Commerce/Financial Inclusion
(Top two sectors: Carrier [operated] Mobile Money and Direct-Carrier-BIlling)

(other 2 dozen+ Carrier Commerce sectors are underway in variety of countries globally)