Securing a bank loan can hardly be called an easy or pleasant task for anyone. But for many in the developing world, it’s even more difficult. An estimated 2.5 billion people worldwide lack access to formal financial services, increasing their vulnerability and making it difficult to break the cycle of poverty. Fortunately, a number of innovative new startups are overcoming these limitations through advances in mobile technology.  Over the past 10 years, participants in the Wireless Innovation Project® (WIP) competition have presented solutions for all kinds of issues, including financial services.