... and Klingebiel, Electronic Finance in Emerging Markets: Is Leapfrogging Possible? World Bank, 2002 31 Singhal and Duggal, Extending Banking to the Poor in India, ICICI Bank, March 2002, p Using ... Building Inclusive Financial Systems, Donor Guidelines on Good Practice in MF, Dec 2004 (‘DG’), p 2, fn Information Technology Innovations That Extend Rural Microfinance Outreach 175 How Can New ... opportunities for expanding the services offered, cobranding with financial institutions in different market niches, sharing infrastructure to leverage investments in technology, and generating additional...