Changes
/* Idea 4 - leverage indirect variables to determine creditworthiness */
* Bank statements may not be the best indicators of a person's credit worthiness
* Indirect measures, like electricity consumption data or telephone bills data is a good indicator of a person's income
== Idea 5 - Money transfer services for payments as low as 25USD ==
* India has a strong informal economy of workers, labourers etc.
* Such people belong to villages where population is as low as 5000
* Money transfer services for such people would be highly valuable
* Distribution network to such small villages is a challenge which can be overcome by tying up with FMCG majors like HLL that reach villages of 5000 population size
