Similarly, Mexico’s “tiered” approach to financial access – according to which requirements for opening bank accounts are proportionate to risk, with low-value accounts subject to higher transaction restrictions – has expanded access to basic accounts, while mitigating the risk of money laundering. And Pakistan and Indonesia, by basing capital requirements for microfinance institutions on the size of the population that they expect to serve, are enabling these institutions to serve distinct market niches sustainably.
类似地，墨西哥的“分层布置”方式——开设银行账户的要求与风险匹配，低价值账户受到较大的交易限制——扩大了基本账户的普及面，同时也减少了洗钱风险。巴基斯坦和印度尼西亚根据微观金融机构预期服务人口规模来确定对它们资本要求，从而促使这些机构能够可持续地服务偏远利基市场。