Mr Ng is working on a strategy for what he calls the "productive poor", who are a rung or two below micro-entrepreneurs, and are mostly served by non-profits.

This service is offered through local retailers and micro entrepreneurs who sell prepaid telephone cards in every nook and corner of India.

Including the most general wechat business entrepreneurs, with micro daqo, leader of the team and doing hairdressing, have, as a sales have the cosmetics.