[pyduan]

It is true financial access is a problem even in developed countries like the US -- though it is nothing compared to the situation of people in developing countries (and I would say calling the author naive is an unnecessary stretch), you are right in that it's important to raise awareness about the underbanked in the US as well.

You'd be glad to hear we are actually working with other financial institutions in the US like Opportunity Fund that provides microloans to Californians. At Bayes Impact, we have a commitment to building repeatable processes -- the good thing with using data to tackle problems is that it allows us to benefit from economies of scale when working with different actors that are facing similar problems.

[fubu]

I didn't mean to come across as saying the author was unaware, partly because I'm positive the author is extremely well versed in the financial industries within the US. I meant to relay that it "seemed" that way from what was written to open that article.

I should have clarified more explicitly that I was discussing the way the article appeared and not trying to make a statement about the authors aptitude or understanding of the US situation. My apologies to the author.