The existence and lure of an entire population of people without access to traditional financial products in banking and in credit have been well-documented. In some cases, such as in emerging markets, the unbanked and the underbanked may not have access, physically, to banks or may live, literally, paycheck to paycheck. In relatively well-developed markets, the issue may be one of age (as in, youth, and more on that later) and disinclination to visit physical branches.