Restrictive legal rules in some countries exclude migrants from using official banking systems unless they have the necessary legal status. Other countries, however, have taken steps to make remittance transfers possible via mobile phones.
某些国家限制性的法律规定剥夺了移民使用官方银行系统的权利，除非他们拥有必要的合法身份。而其他国家已经采取措施，使人们可以通过手机进行汇款。