 This is Sally. Sally is 17 years old and she and her family live on under $2 per day in the developing world. She has heard about a service that uses cell phones to provide access to bank accounts and she'd like to sign up. Oh, sorry, Sally. A miner can't open a bank account or buy a SIM card. You'll have to wait until you legally become an adult to use this service. Johnny is 18 years old, so he won't have that problem, won't you, Johnny? He would also like a phone to start mobile banking. That will be $20, the mobile agent says. Like so many of his peers, Johnny does not have enough money for even a basic handset, so he heads back home dejected. Jenny is old enough to receive a cell phone and has the money for one. Having cleared all those hurdles, she's ready to start mobile banking. Here you go, says the mobile agent. Oh, by the way, cell coverage is rather spotty around here. Some of our customers have had trouble sending or receiving money. Thought you might like to know. Since Jenny lives in a rural area with poor infrastructure, it's difficult for her to trust that her money is safe and accessible, and therefore difficult to use the service, even though she has overcome other barriers. The youth population in the developing world that could benefit from financial inclusion is massive. 83% of the world's 1.2 billion young people aged 15 to 24 live in developing nations. Around 50% of these live on less than $2 a day, but just 10% save using formal financial services. Based on the high and still growing rate of mobile access, the mobile phone could offer a revolutionary way to get financial services to youth across the developing world. Mobile phones have the potential to provide remote access to bank accounts, send and receive money, facilitate saving and accessing credit, or even financial education through texts and games. Plus, kids just love new technology. Their potential for economic development through technology is much greater than their parents or grandparents. If we start creating smart policy today, someday Sally, Johnny and Jenny might be able to tap into the promise of mobile phones and give many more youth a path to a financially stable future.