The Gulf Cooperation Council (‘GCC’) countries are home to the second largest remittance market in the world after the US, with over $100 billion sent annually. $50 billion of this comes from the 25 million low-income migrant workers that come to the GCC; primarily from India, Pakistan and the Philippines. These workers work long hours in poor conditions to send money home to support their families. However they are disallowed from opening bank accounts and are excluded from the financial system. The vast majority carry smartphones but all remit money via physical exchange houses that typically charge 10%+ to make remittances. NOW Money uses mobile banking technology to provide accounts, financial inclusion and a range of low-cost remittance options to these workers, improving their lives, saving them significant money and profitably capturing minimum 10% of the GCC remittance market by 2020.