In the developing world, they don't have smartphones yet. They have the older plastic phones, but women are saving money on those, because they don't have access to banks. Having that access to digital money changes everything for her because she actually doesn't have to negotiate with her husband, which she will tell you is very hard in these circumstances, especially when the means are meager. She's expected to have money to pay for the kids' health or to help with the school fees.
Melinda GatesMothers might say they'd go to the doctor. In poor countries, moms are usually responsible for their kids' health. But breastfeeding and traveling to the clinic take time, and research shows that health care is one of the first tradeoffs women make when they're too busy.
Melinda Gates