We can't keep moving the bench. We need to finish.

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The migrant worker is the world's last untapped consumer segment, because they are conservative savers, and yet move around and don't get respect from banks. That's the market we look at, and the runway for growth in Asia is huge.

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Of those migrants, the World Bank estimates that about 66 million are sending money in and out of Asia -- they process about $50 billion in transfers outside the region. I'd be happy to get a bigger portion of those flows.

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