The document summarizes the Islands Activation Program (IAP), an initiative by Smart Communications to provide mobile-based financial services to remote communities. The program is a partnership between Smart, microfinance institutions, and SEEDFinance. It allows island residents to perform transactions like remittances, payments, and micro purchases via mobile. As of 2012, the program had activated Smart Money centers in 71 communities and released over 7,000 Smart Money cards. The program aims to improve access to financial services in remote areas through branchless banking solutions.