Felipe,
as a matter of fact, the market will sort this out. As a result of working on Indigo and learning more about the banking problems of people like Clara, I and my co-founders have started a new enterprise called m-Via, which allows for crossborder payments and peer to peer money transfer through a DEBIT card and cell phone. We use a debit card because many people like Clara don't have credit.

m-Via is creating a service mark (look on the back of your ATM card - you'll see Star, Maestro, Cirrus) that mobile enables existing debit cards and creates private label debit cards for MVNOS, retailers and civil society organizations (like hometown associations, church groups, MFIs, etc.) that want to provide financial services to their existing customers.

Unlike other money transfer products like Western Union, etc. m-Via enabled debit cards are compatible with each other - you could send money from your Wells Fargo m-Via card to a Citibank m-Via card or to your hometown association m-Via card.

And unlike other money transfer operators, you can transfer money from the privacy of your cell phone. You look up your friend or family member, enter the amount to be sent, enter your pin number and m-Via sends a message to the recipient informing them that you have sent them money. The money is instantly transferred to their card. All for a flat fee.

Since it is also a regular debit card, you can use your m-Via enabled debit card to withdraw cash from any ATM in the world.

You can use your debit card to make purchases at stores or online. Previously, the unbanked didn't have a way to make online purchases - you typically needed a credit card. Online retailers do accept debit cards but don't accept cash.

Your employer can direcrt deposit your paycheck to your debit card, avoiding the need for checks or check cashing facilities.

Margarita Quihuis
Co-Founder, m-Via
Founder, www.indigofinanciera.com
Co-Founder, TechPlaza Ventures, www.techplaza.typepad.com