In the world today, some 2.5 billion people are either underbanked or completely left out of the system. Access to specifically designed, affordable and mobile-based financial services is key to financial inclusion, as well as the value creation it entails for everyone as the benefits ripple through society. Based upon a leading core banking platform, and an initial international payment service accessed via a mobile wallet, Pintail is a Fintech that is developing a fully EU licensed challenger bank/insurer targeted at poorly served communities and their migrants. The platform will provide both banking and insurance products, and it is launching in 1Q 2018, beginning with a remittance product aimed at Moroccan migrants in France.