Critically discuss the role of informal value transfer systems (IVTS) in providing access to finance for those who live in developing countries.

Role of informal value transfer systems (IVTS)

The United Nations believes that financial inclusion is “provided by a variety of sound and sustainable institutions”, yet many of the world’s poorest cannot access such institutions. Critically discuss the role of informal value transfer systems (IVTS) in providing access to finance for those who live in developing countries.