Presentation to the Mobile Money Conference, Dubai, October 26th 2009. Who benefits more from the introduction of mobile phone banking services – a white-collar worker in New York City or a migrant manual labourer living out of a dormitory in Xi’an? Design research for Nokia Money. More on Nokia Money can be found here: http://www.nokia.com/about-nokia/new-business/finance/nokia-money See also: http://www.janchipchase.com/designing-services-for-financial-inclusion