Cross Border Remittances: Technology in the Origin and Innovation on the Payout, by Manuel Orozco

Remittances play an instrumental role in improving the lives of remittance receivers as increases in disposable income can be turned into increases in formalized savings, simultaneously facilitating financial access and inclusion. Many households in Central American, the Caribbean, and South America rely on remittances as the main source of income. In fact, nearly 23 million households received USD$16.6 million in remittances in 2015 from the United States.

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http://www.thedialogue.org/resources/cross-border-remittances-technology-in-the-origin-and-innovation-on-the-payout/