I am working to build top quality financial structures in the UK for people and businesses who are not able to access those services from the mainstream banking system. I want to create vibrant economies in communities where long-term deprivation has blighted peoples' lives. Creating more disposable income for individuals, building local businesses and supporting social enterprises are key ways to tackle this entrenched problem. It costs a lot to be poor – which is a dreadful irony in our developed economy. If you don't have access to banking facilities, you cannot buy goods online, pay for utilities by direct debit and your purchasing power is severely limited. This means 10 million people in the UK, called the 'financially excluded', are spending more than they have to on goods and services that are cheaper for wealthier people. This is not right. Banks do not have the infrastructure to serve this market. In the gap they leave, we need to create profit making businesses that are relevant for financially excluded people. Businesses which support them, not exploit them and drain them of much-needed disposable income. Until we do, we cannot justifiably call the UK a developed economy. Join me?