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Ultimately, the solution to this problem will require the financial tech community to adopt a familiar economic philosophy.Poverty is painful, and it’s the responsibility of a fair society to make it feel easier.

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Digital prepaid accounts that allow online payment can turn paychecks into bill payments without aggressive fees or hours of traveling the archipelago of alt-finance.

To spare individuals from the clutches of payday lenders, banks can find ways to measure trustworthiness in ways that go beyond official credit reports.

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