As our world urbanizes, the world’s cities have a vast and growing need for inclusionary banking – whereby banks deliver loans, equity investments, and financial services down-market and into informal neighborhoods. And the world’s progressive central bankers, including India, South Africa, and the US, are shaping rules to incentivize private bankers to deploy their financial creativity and business innovation for the benefit of the urban poor. Though we think of banks as having money, in fact a bank is a marketplace where capital is traded like any other commodity. Banks act as a repository for other people’s money, mainly depositors, bank lenders, and bank shareholders. Banks give this money out to people who will pay more to rent money than the bank has to pay its depositors to rent money from them.