In Kenya, for example, the cost of sending remittances dropped by up to 90% after the introduction of M-Pesa, a digital payment system. New technologies allow women to participate more easily in the labor market as e-commerce entrepreneurs, in online work, or business process outsourcing. The world’s 1 billion persons with disabilities – 80% of whom live in developing countries can lead more productive lives with help of text, voice, and visual communication. And digital identity management systems can provide better access to public & private services for the 2.4 billion people who lack formal identification records, such as birth certificates. The internet can lead to more trade, better capital use, and greater competition, the basic roots of information technology affects three players of any economy: Land, labor, and capital. In the presence of regulators and facilitators, technology can bring inclusion of all, efficiency, and innovation.