ICICI Bank: Innovations in Finance

The number of people living on less than $1 per day in India is significantly greater than the entire population of the United States. From a social perspective, this is a humanitarian pandemic. From an economic perspective, these people represent the bottom of the pyramid (BOP). From a commercial perspective, these individuals are not considered a viable market given their miniscule purchasing power. Do the poor of India represent an opportunity for a large, organized financial services company?

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