According to the 2013 State of the Microcredit Summit Campaign Report, microfinance now provides over 200 million of the world’s poor with access to financial services. Many practitioners believe that technology can transform how current and potential microfinance clients do financial transactions by allowing them to use their computers or smartphones. Many expect that mobile banking will facilitate financial inclusion and give people at the bottom of the pyramid a tool to fight poverty. However, this promise has not been fully realized, and there is still a growing divide between the poorest households which are still operating in a cash economy and the formal economy that is increasingly digitizing transactions. If the poorest are not to be left behind again, we must connect them to the digital financial system.