Campaigners have for years been battling to get the world’s poor better access to banking, arguing that something as simple as setting up a bank account and, better yet, providing credit can be the most effective tools to help people rise out of poverty.多年來，活動家們仍然在為了讓世界上的窮人更佳地取得銀行服務而希望。他們認為，像開辦銀行賬戶、以及更進一步獲取信貸這樣非常簡單的事，可以淪為協助人們掙脫貧窮的最有效地工具。

But thanks to a rare confluence of technological innovations and new pushes in countries such as India, those efforts to encourage what the professionals call “financial inclusion” might finally be paying off.現在，技術創新和印度等國國內的新推動力于是以絕佳地再次發生融合，歸功于此，希望這種專業人士所稱的“金融包容性”的希望有可能再一要順利了。In a report looking at both the progress made and the government policies being adopted around the developing world, researchers at the Brookings Institution in Washington argue that after years of work that may just be the case.在一份實地考察“金融包容性”進展以及發展中國家政府所接納的政策的報告中，華盛頓布魯金斯學會(Brookings Institution)的研究員指出，在經過多年的希望之后，情況有可能顯然如此。“Financial inclusion is really taking off,” says Darrell West, director of the centre for technological innovation at Brookings and one of the authors. “I think we have reached a tipping point.”“金融包容性知道在構建，”布魯金斯學會科技創新中心主任、該報告作者之一達雷爾韋斯特(Darrell West)稱之為，“我想要我們早已超過了一個臨界點。

”The study is not the first to identify progress. In April, for example, the World Bank released the results of a 140-country survey that found more than 700m people worldwide had left the ranks of the “unbanked” in the past three years.該研究并非是第一個證實該進展的。例如，今年4月世界銀行(World Bank)發布的對140個國家所做到調查的結果顯示，過去3年中，世界各地有多達7億人瓦解了“無銀行賬戶者”之佩。The main credit for that progress goes to mobile phone-based payment platforms such as Kenya’s M-Pesa, which have provided a way around often traditional bank bureaucracies and regulatory regimes in many developing economies.該進展主要得益于肯尼亞M-Pesa之類的手機繳納平臺，它們獲取了一條途徑，可以繞過很多發展中國家一般來說情況下傳統銀行的繁文縟節和監管機制。Their widespread use in some African countries has put the continent at the forefront of efforts to secure banking services for the poor. Kenya topped the rankings of the 21 countries Brookings researchers examined, with 75 per cent of adults now holding financial accounts of some sort, a 33 percentage point increase from 2011.它們在一些非洲國家的普遍用于，使非洲正處于老大窮人取得銀行服務的希望的前沿。

在布魯金斯學會研究員實地考察的21個國家中，肯尼亞名列榜首，如今75%的成年人享有某種金融賬戶，較2011年快速增長了33個百分點。Among the things encouraging researchers is the fact that after years of being a largely African phenomenon, mobile phone-driven services are being launched in other regions where governments are also loosening historical regulatory constraints on non-bank financial service companies.令其研究員深感激勵的是，過去多年主要歸屬于非洲現象的手機金融服務，如今正在其他地區進行，而這些地區的政府也在放開歷史上針對非銀行金融服務機構的監管約束。In an increasing number of places governments are working with the banking industry and telecoms companies to establish a mobile payment system aimed at those without bank accounts — in Peru 70 per cent of its 22m adults, said the World Bank.世界銀行稱之為，在更加多的地區，政府正在與銀行業和電信公司合作，面向那些沒銀行賬戶的人——在秘魯，2200萬成年人中70%的人歸屬于這類人——創建移動支付系統。

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