An Innovative Information System that Provide Financial Inclusion

New applicative methods have to be studied and implemented in the area of information technology to provide qualitative, fast and secure financial services for all. Many researches' results show that broad access to financial services helps reduce poverty. The present paper analyzes various data collected by request and from face-to-face interviews to identify the underserved population in Albania in terms of financial services. Traditional techniques are applied in the last Living Standards Measurement Survey to identify the needs of underserved population about financial services and their living conditions. The information is of great interest to identify the most appropriate information system which provides secure financial services for all. Reliable financial services are of crucial importance. Further investigations are made to identify the most secure application that works out on a standard phone. Study of the most appropriate user interface and way of communication led us to the conclusion that the use of the SIM Application Toolkit, which offers a simple menu stored on the SIM to the user, is the most secure way to communicate as the best end-to-end security is achieved through it. The functional requirements were created and business process modeling was made. Services needed by users are created using java card programming language. Agents and mobile operators will make a major contribution in the proposed information system.