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Financial inclusion, the digital divide and other thoughts on the future of money | Ajay Banga

Visit to get our entire library of TED Talks, transcripts, translations, personalized talk recommendations and more. Roughly two billion people worldwide don’t have access to banks or financial services like credit, insurance and investment — or even a way to formally prove their identity. How do we bridge this divide? Mastercard CEO Ajay Banga sits…

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Roughly two billion people worldwide don’t have access to banks or financial services like credit, insurance and investment — or even a way to formally prove their identity. How do we bridge this divide? Mastercard CEO Ajay Banga sits down with TED current affairs curator Whitney Pennington Rodgers to discuss how innovative public-private partnerships can help bring everyone into the digital economy — and why COVID-19 recovery hinges on financial inclusion.

The TED Talks channel features the best talks and performances from the TED Conference, where the world’s leading thinkers and doers give the talk of their lives in 18 minutes (or less). Look for talks on Technology, Entertainment and Design — plus science, business, global issues, the arts and more. You’re welcome to link to or embed these videos, forward them to others and share these ideas with people you know.

TED’s videos may be used for non-commercial purposes under a Creative Commons License, Attribution–Non Commercial–No Derivatives (or the CC BY – NC – ND 4.0 International) and in accordance with our TED Talks Usage Policy (). For more information on using TED for commercial purposes (e.g. employee learning, in a film or online course), please submit a Media Request at

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64 Comments

64 Comments

  1. Avatar

    Geep1778 NYC

    January 11, 2021 at 4:34 pm

    Ok so he’s advocating for complete control of the marketplace by claiming to be for the little guy but fails to mention by going towards this system the big lenders will be in control of everyone’s financial information down to the penny! Because y’all too dumb to run your own business and handle your supply chains out in the dessert where People aren’t even interested in this or want to run their own shop. And if all of us run these digital stores or get on this system we can’t all be profitable can we? Hmmm Idk I’m not buying it. Convince me Great aReset People gimme the hard sell cuz this guy sucks…. But wait there’s more… biometric ID cards to make it easier for them ahem… I mean you to get at your money if there is any in your sweet Lil personal biz cash register 😉 not to mention the chip in your body, that king Jong or one of those automated systems, might shut off for the pure enjoyment of listening to your frustrations as you scream into the telephone for a real live person to please help you 😂😂😂 just to get ur chip back online! Or Mayb it’s no money for you unless you take your weekly flu shot. All’s I’m saying is there’s a lot that seems skeetchy about all this and giving up the system we have now in exchange for one where there’s no escape of Saurons blazing eyeball 👁 (Govt bureaucrats) think Dmv or Mayb a soulless ai you can’t even plead with… makes me very uncomfortable. Especially if I were someone w a thriving business pre covid that now has competition from Every new person on this system w the same goods or services for sale. Not to mention all the Amazon’s that slurped up most of the market share in these past 10 months. If we go to this system why doesn’t he just give everyone a some of his billions? Theses plenty of money in the system for everyone to live nice! But the few don’t wanna pay taxes or share. And the military folk don’t want peace so that budget stays also. Rant over but Let’s go Klaus sell me on this wonderful NWO

    • Avatar

      SurfByShootin

      January 11, 2021 at 8:42 pm

      Sadly they arent trying to convince the little guys like us, we’re not even their target audience, its actually naive yuppies who volunteer to internalize globohomo values to secure their indulgent lifestyles.

      Dystopia depends on how many yuppies nod their heads to word salad.

  2. Avatar

    Sain D

    January 11, 2021 at 4:41 pm

    The fall of our civilization will be as hard as fighting a war with sticks and stones….

  3. Avatar

    Jade Choi - Million Dollar Challenge

    January 11, 2021 at 5:01 pm

    I lost my job in 2020 but my 2021 will be great because I’m going to build multiple income streams on my own without relying on someone else. 💪

  4. Avatar

    Sssuper Live

    January 11, 2021 at 5:25 pm

    Money future – All human in the world need 1 mount = 1000$ ANOWAY – Millioner – beggar or poor
    .
    Its fact – Its real life.All human need money = for life and buy = Food,clothing and a roof over your head
    .

  5. Avatar

    Eli Nope

    January 11, 2021 at 5:35 pm

    I think there are a lot of people who are under-banked and under-heroined. We can take more from them!

  6. Avatar

    Teresa Hodges

    January 11, 2021 at 5:44 pm

    People please do not sell your souls to the beast system of Revelations 13.

  7. Avatar

    FUNKYFRESH707

    January 11, 2021 at 5:56 pm

    Crypto XRP XLM VET

  8. Avatar

    Nino J

    January 11, 2021 at 6:24 pm

    With every financial exclusion problem he mentioned I thought of what Cardano (decentralised public blockchain) is doing.

  9. Avatar

    Kevin Hartwig

    January 11, 2021 at 6:32 pm

    But there are many people who don’t want to be connected to the system. Why is it so important that the hierarchy know everything about everybody. No thanks

  10. Avatar

    Jenny Coffey

    January 11, 2021 at 6:37 pm

    What it looks like is farming supplies and standards for credit are not sustainable and cause these people to lose their futures

  11. Avatar

    Stephen Waddell

    January 11, 2021 at 6:39 pm

    On the top of this it sounds great but when the devil showed eve the tree of knowledge it seemed great to take the apple but that sounds too good to be true it always isnt and can be used for evil and if its a possibility then it most likely be used against you dumb on slaves without masters is an illusion

  12. Avatar

    James Kulevich

    January 11, 2021 at 7:28 pm

    There isn’t any system, anywhere, that works. This concept he’s discussing would be a big disaster. Individuals need to look after themselves and be responsible.

  13. Avatar

    immanuel godson

    January 11, 2021 at 7:41 pm

    Bot bot diki durka

  14. Avatar

    Eman Puedama

    January 11, 2021 at 7:42 pm

    2:50 “They don’t get counted for their opinion of what the Government should be doing” Yeah, join the club.

  15. Avatar

    Nancy Lee

    January 11, 2021 at 7:49 pm

    Let’s ask a person with a vested interest in getting people into debt what is best for humanity. What a bullshit TED talk.

  16. Avatar

    Metamorphic Society

    January 11, 2021 at 8:10 pm

    I’m worried that the digital wallet account gets hacked 😂

    • Avatar

      Cristina Morales

      January 12, 2021 at 2:07 am

      The blockchain. Look it up. Waaay harder to hack than a system

  17. Avatar

    Board Me Up

    January 11, 2021 at 9:33 pm

    Digital – transparent, not when it comes to most crypto.

  18. Avatar

    Jared Hunter

    January 11, 2021 at 10:30 pm

    Jesus came into the world not to condemn it but that through Him we could be saved. He died for our sins was buried and rose again the third day. His shed blood paid our sin debt in full. We are forgiven and recieve His spirit sealing us until the day of redemption. By simple believing the gospel we are saved sealed and sanctified by Him. He isnt counting your sins against you and loves you and wont turn anyone away. For by grace we have been saved through faith and that not of ourselves, it is the gift of God,not of works lest anyone could boast.

  19. Avatar

    Daniel Beaudry

    January 11, 2021 at 10:35 pm

    The companies that take my data should send me a pay check, that should be the new economy.

  20. Avatar

    Joe Mullings

    January 11, 2021 at 10:54 pm

    Good job 👏

  21. Avatar

    B Welkinator

    January 11, 2021 at 11:13 pm

    Mastercard: market capitalization of $284.4 billion. It is odd to hear a CEO talk in racist stereotypes about people of the world. Do-gooders just don’t have much introspection.

  22. Avatar

    Marion Wright

    January 12, 2021 at 12:17 am

    When I started work back in the day I was paid cash weekly. I didn’t need a bank , you lived within your means , until i got a mortgage… then your dragged into the system. Once there your hooked like a fish. It’s an industry that sucks you in. Your a slave to the financial world and technology., losing your identity. Why do I need to be tracked to buy bread and milk? Data collection is the new FRAUD. !!

  23. Avatar

    FSIT

    January 12, 2021 at 1:15 am

    Sounds like a block chain argument

  24. Avatar

    Davis Mark

    January 12, 2021 at 1:26 am

    I don’t know who needs to hear this but stop saving all your money. Invest some of it if you want financial freedom.

    • Avatar

      Davis Mark

      January 12, 2021 at 1:26 am

      Invest in Bitcoin, gold, silver, buy stock, forex market. Anything! Just invest and save yourself.

    • Avatar

      Susan Passick

      January 12, 2021 at 1:27 am

      Good talk! I tell that to my friends everyday. Saving is good investing is much better, I used to think saving money would save me but NO, saving is just keeping it to spend later.

    • Avatar

      Jimmie Wang

      January 12, 2021 at 1:27 am

      @Davis Mark What if you don’t know how to trade any of these?

    • Avatar

      Tyler Posey

      January 12, 2021 at 1:27 am

      @Jimmie Wang I mean, I see your point. Some people have the money and are willing to invest but the problem is where to

    • Avatar

      Maryjane Lukeman

      January 12, 2021 at 1:28 am

      @Jimmie Wang this is 2021
      People who aren’t even traders makes money from the stock, crypto and forex markets.

    • Avatar

      Davis Mark

      January 12, 2021 at 1:34 am

      @Jimmie Wang Mr George Edward + 1 2 1 7 3 3 1 0 6 1 2

    • Avatar

      Davis Mark

      January 12, 2021 at 1:34 am

      His WhatsApp info 👆👆

    • Avatar

      Davis Mark

      January 12, 2021 at 1:35 am

    • Avatar

      Josina Buter

      January 12, 2021 at 1:36 am

      @Davis Mark thanks for this I do love to reach out to him too

    • Avatar

      Jimmie Wang

      January 12, 2021 at 1:37 am

      @Davis Mark That’s it you convinced me and am doing this thanks

  25. Avatar

    Devansh Trivedi

    January 12, 2021 at 7:20 am

    Funny phone 😂😂😂😂😂😂

    • Avatar

      Devansh Trivedi

      January 16, 2021 at 10:55 pm

      That was auto correct. I meant fingery phone

  26. Avatar

    Hà Mã Tím

    January 12, 2021 at 8:10 am

    Can not trust in the things you not understand.
    I just don’t know how Bitcoin can reach 30k$ from the blank space.

  27. Avatar

    kantemir schogen

    January 12, 2021 at 8:58 am

    I don’t do nothing, but you need to do this in order me to be happy… exactly what this man is saying. What is frightening about this is that he really thinks this could solve problems and make people happy, but he is not ready to do anything , anything about it himself , not a single move . Get digitised so we can grow , mean man🤦‍♂️

  28. Avatar

    Nam Nguyen Nhat

    January 12, 2021 at 11:23 am

    So difficult to listen

    • Avatar

      it's me Mr Awesome x-

      January 16, 2021 at 10:44 pm

      Why? Curious jus started vid so wondering as I scrolling through the comments

  29. Avatar

    Bike Channel

    January 12, 2021 at 12:53 pm

    I wish I didn’t have a relationship with a bank. I’d be better off in many ways (not all)!

  30. Avatar

    E P

    January 12, 2021 at 1:34 pm

    You can EARN Pi Coins, that could be worth money, FOR FREE. Check out Pi Network, the app created by a team of Stanford scientists that, with a single daily click, generates Pi Coins on your phone FOR FREE, and without slowing down your phone ! Pi Coin is a new generation crypto currency that will be launched on the market at the end of 2021 probably. When Pi Coin arrives in the market, it will probably be worth money (its value might go up, as Bitcoin did from a few cents in 2010 to more than US$ 30000 at the beginning of 2021). To create your profile on the app you can use my code: night122

  31. Avatar

    Chuck Brenner Indianashogman

    January 12, 2021 at 1:52 pm

    If I trade a handwoven basket for some vegetables and a piece of meat, why do I need a bank ?

  32. Avatar

    Chuck Brenner Indianashogman

    January 12, 2021 at 1:56 pm

    Imagine working for a farmer for room and board. And my God in heaven supplies the rest.

  33. Avatar

    Chuck Brenner Indianashogman

    January 12, 2021 at 1:57 pm

    Render unto caesar what is caesar’s and render unto God what is God’s.

  34. Avatar

    Chuck Brenner Indianashogman

    January 12, 2021 at 1:58 pm

    Why does it cost us interest and taxes to be able to live freely ???

  35. Avatar

    Chuck Brenner Indianashogman

    January 12, 2021 at 2:05 pm

    Yep hiding a dollar under my child’s pillow from the tooth fairy is a nefarious maneuver for sure dude.

  36. Avatar

    Antone Jordan

    January 12, 2021 at 2:10 pm

    Investing in crypto now should be in every wise individuals list, in some months time you’ll be ecstatic with the decision you made today…

    • Avatar

      Conquer Trading & Investing

      January 12, 2021 at 4:06 pm

      Really y’all know him? I even thought I’m the only one he has helped walk through the fears and falls of trading crypto currency

    • Avatar

      Hailey Chad

      January 12, 2021 at 4:06 pm

      Really y’all know him? I even thought I’m the only one he has helped walk through the fears and falls of trading crypto currency

    • Avatar

      Louis Becker

      January 12, 2021 at 4:07 pm

      Yes I can believe that, I got victory with him, I was so sad after receiving the first payment knowing I invested so low with fear😓😫

    • Avatar

      shawna cross

      January 12, 2021 at 4:10 pm

      I am happy for taking the bold step in working and investing $2000 with Mr Richard for people to talk this good about him

    • Avatar

      Max Talks

      January 12, 2021 at 4:12 pm

      Believe me he’s the best when it comes to Cryptocurrency trading, your profit is assured.

    • Avatar

      Hayden Perry

      January 13, 2021 at 12:01 am

      This reply section is actually unbelievable.

  37. Avatar

    Scott R

    January 13, 2021 at 5:37 am

    Financial inclusion in debt slavery. Good one for fools.

  38. Avatar

    miguel torres

    January 13, 2021 at 9:15 am

    TED should not allow this type of masked publicity and social-washing from corporations.

  39. Avatar

    Kaval Bhachu

    January 13, 2021 at 1:44 pm

    Anybody take the positives from the video??!!…whats good for one consumer is bad for another…

  40. Avatar

    Jithin James

    January 13, 2021 at 2:19 pm

    Having digital money may be a good them.. security, but online frauds can’t be stoped by any govt agency… Few year of watching news made me think that contry/borders are becoming more unstable… If there is a civil war/war first thing a govt will do is cut all network for unauthorised activities… Then even the richest person get poor, there won’t banks on such time…
    U were talking about transperency, 90% of data on online are sold on underground markets… Is that u refer to as transperent???

  41. Avatar

    Theresa John

    January 13, 2021 at 9:54 pm

    Invest 5BTC to get 10BTC

    • Avatar

      Theresa John

      January 13, 2021 at 9:55 pm

      + 1 8 4 5 6 2 2 2 4 8 5

  42. Avatar

    Simone Feo

    January 16, 2021 at 1:45 pm

    Let’ s do this here in Olbia, Costa Smeralda, Sardinia.

  43. Avatar

    S S

    January 17, 2021 at 2:58 pm

    We dont trust our greedy economic system including financial institutions thats rigs the rat race to the bottom

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