Financial services providers serving the bottom-of-the-pyramid are using data analytics to pioneer new products. Traditional people- and paper-based paradigms are awkward and expensive. New data from social networks and mobile use promise better results at lower costs. Along with the boost to financial inclusion has come a dramatic increase in technology availability at the low end of the market, with smartphones become more widely used across the economic spectrum and broadband data charges dropping dramatically. http://huff.to/1CbwIiA