Is addressing that big pool of poorer underserved people the best thing that could happen to finance, and can the Internet change this industry?
About ten years ago, Grubb and Chambers wanted to demonstrate how the Internet would change medicine.
Far more exciting is the possible use of the Internet to change the lives of hundreds of millions of villagers.
As eBay had proved, the Internet could change the auction business dramatically.
Without such restrictions, many consumer advocates say the Internet will change from being an open, democratic network to a closed system, as NPR's Laura Sydell reports.
The topic: how the Internet would change the securities industry.
Fortunately, perhaps, the Internet cannot change everything.
The real answer to securing the Internet of Things is to think about ways to change the Internet protocols themselves and introduce unequivocal authentication.
The Internet promises to change the equation by finding out if there's an audience.
Billions of dollars have been lost betting on the idea that the internet would quickly change everything from retailing to entertainment.
Some are worried that these e-readers and the Internet will markedly change the newspaper, magazine and book industries, if not make them extinct altogether.
Hundreds of articles and blog posts have asked whether Chatroulette is a fad or a good investment, and if it will change Internet culture forever.
The Internet will also enact change the way companies handle internal information, Chambers said.
For one, the biggest cultural change the Internet may bring is the rise of external, rather than internal, intellectual accomplishments.
And they still believe that the Internet is going to change the world, and that the revolution is in its infancy.
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The Internet was supposed to change how we communicate, and it did, but in the process it generated a tremendous bubble, followed by the loss of wealth for many.
"We have been forced to change our internet domain name - one can understand they are being mindful of the accelerating changes that are coming about with the internet, " said Mr Jones.
Brand X Internet later this month, it may radically change how businesses sell high-speed Internet access.
One of the most radical changes the Internet has brought is a change in publishing business models for both publishers and authors.
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Reporting on this emerging capability, I made the macro prediction that the world would change when broadband Internet became ubiquitous and broadly adopted.
It is a long way from the original dream of click 'n borrow, but then the Internet was never going to change business in predictable ways.
Yet an internet-led campaign for change has gained thousands of signatures, plus support from Richard Dawkins, a prominent science writer, and Lord Rees, the head of the Royal Society.
But that will change with the Internet's next phase, when the main platform will switch from the PC to the Internet itself, and in which hosted services will emerge and the economy will move online, he said.
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Two bills are moving through the Senate and the House at the moment, aimed at creating a host of new controls and regulations over the internet, and threatening to change the way everybody does business and interacts online.
However, with the rapid growth in the Internet, with the advent of IPv6 and its unlimited Internet addressing, and the rapid raise of non-PC devices such as smart meters and medical devices all accessing the Internet, that could soon change.
The Internet has brought about a sea change in how we shop for widely-available goods.
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In 1999 the Internet gold rush inspired a name change to NutriSystem.com.
The Internet Service Providers Association said any change in the law must be "proportionate, respect freedom of expression and the privacy of users".
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