Ideation

In addition to responding to requests for finding and then facilitating the sharing of success-knowledge to help overcome operational financial inclusion challenges in ecosystems of Carrier Commerce, FINCCLUDE also innovates with Carrier Commerce ideas that further impact the unbanked. 

Consider: Besides the 1.7B remaining unbanked, there are times some financially included communities suffer short term financial exclusion, along with life threatening circumstances. For instance, devastating natural disasters happen every year in many places globally.   As Carrier Commerce’s suite of payment modalities grow, the real-time reach of Carrier Commerce’s MFS (mobile financial services) has surpassed 7 Billion mobile billed accounts.

When also considering that Pew Research reported that approximately 75% of donations made to Haiti’s Earthquake victims were made in the first 24 hours after news of the devastation.  The insight of this Pew Research statistic reflects a fundamental, universal truth of human nature: Shockingly terrible news of harm to others inspires people of all cultures and backgrounds to want to help – especially in those initial hours of horrifying news, and before the terrible news is digested/processed and people globally gradually move on to the next items in the news cycles.  This reality of today’s human nature highlights the criticality of the opportunity to connect-the-dots in those vital first 24 hours … to engage 7B+ potential donors when they are most inspired and inclined to help.

The Carrier Commerce industry stands head and shoulders above all other industries today in its ability to reach 7B+ potential donors real-time, plus already has in place known and trusted billing/payment relationships.

FINCCLUDE’s “Humanitarian Relief Aid Charter” (HRAC) helps the global community take a compelling step forward toward consistent, timely deployment of relief aid soliciting initiatives … to eventually 7B+ … allowing optimal potential individual donors everywhere to have the choice to donate financial assistance for life saving recovery efforts by involved relief agencies.  Whether one is a globalist or a nationalist, HRAC enables a form of the Golden Rule of neighborliness in times of extraordinary need.

Not yet launched, HRAC has received ‘in-principle’ support from a major global telco-carrier, as well as C-level interest from other telco-carriers and relief aid agencies, thus amassing a Phase 1 group of entities comparable in size to number of entities in launch of Phase 1 of the GSMA’s Humanitarian Connectivity Charter (HCC).  HCC is also a proactive approach for the telco-carrier industry – to be better prepared with best-practices to optimally restore vital communications infrastructure … also in the immediate aftermath of devastating natural disasters. Today HCC has commitments from well over 100 telco-carriers. While HCC helps telcos-carriers at ‘ground-zero’ be better prepared to recover faster – to save lives (with the help of telco-carriers elsewhere) … the HRAC model enlists commitments from eventually all telco-carriers to consistently canvass their billions of users on a timely basis after devastating natural disasters hit – to strengthen recovery efforts, to also save more lives.    

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