Simply stating that "Cisco believes that digitization will play a pivotal role in increasing inclusive access to financial products and services to individuals in poverty throughout the world." isn't enough. Makes it sound like a business opportunity only & perhaps doesn't reflect the good work Cisco has assisted with. The blog & attached document rely heavily on the appendices provided & IMHO don't effectively weave Cisco's involvement into the main body of the information or argument provided. Do many people read the appendix? Maybe that wasn't meant to be the point...the rest of the article is well written!