A giant Buddha, skyscrapers and a replica of Beijing's Temple of Heaven are just some of the ice sculptures on display at this year's International Snow and Ice Festival, which is running in Harbin, China until February 25. Photo: AP
The WSJ's "Financing the Future" series sheds light on the issues faced by about two billion people around the world who still live without access to banking, lending, credit, investing and other basic financial services as they struggle to join the formal economy.