As digital financial services develop, banks and non-banks have the prospect of reaching millions of new customers among previously excluded and underserved populations. Digital financial channels now include mobile phones, smartphone apps, and digital assets. Innovative payment platforms and services seek to serve the unbanked and underbanked by delivering safe and easy access to financial services by combining technologies - virtual payment cards, mobile phone payments, digital assets, and service offerings for minorities. These services make payments, banking platforms, and secure transactions more accessible, allowing them to reach a wider audience, foster financial inclusivity, and create seamless banking services.