When Shivani Siroya started developing an idea for a new microfinance model, she found that while 4.5 billion people did not have any kind of formal credit score that could help them qualify for loans, 90% of the world's population did have access to mobile phones. Thus, Siroya came up with a way to use that mobile access to give the underserved and unbanked access to a financial identity that can help them understand what they can afford and qualify for the resources they need. Siroya has developed a mobile app--InSight--to put the unbanked on the map.