These start-ups have the potential to both complement and disrupt completely our concept of how to provide services to the poor.

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Muhammad Yunus, the Grameen Bank founder who helped to establish the concept of microfinancing, has said that, if the poor, particularly women, can gain access to credit and generate their own income, that could consequently address the problem of poverty.

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As it happens, when the poor countries are having their industrial revolutions global inequality (by either Concept 2 or 3 measures) seems to decline.

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But even in quite poor countries, a different concept of poverty also seems to creep in, the authors argue.

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The firms offering this technology can't be "fool-proofing" the concept to protect the novice FX investor from dangerous practices, such as quick in-out trades, poor risk management and too much leverage, Paz says.

WSJ: Currency Traders Follow the Leader | WSJ.Money Summer 2013