In this video, Bob Christen, Director, Bill & Melinda Gates Foundation, talks about the strategy of the Foundation in mobilising savings account for people who live on less than 2 dollars a day. Bob explains the various agent models that could support savings services. He says the successful mobilisation of small-scale savings requires dramatic reductions of transaction costs where mobile banking and electronic payment platforms play a central role. Talking about the opportunities ahead, Bob says many countries are thinking how banks can utilise retail networks to provide financial services and mobile phones is the way ahead.