Congrats #LivingProgress Challenge winner pactworld for their financial bookkeeping mobile app idea, WORTH. Today, more than 12 million adults excluded from financial services are participating in informal financial groups, accessing self-generated savings and credit services. Pact’s m-ledger mobile application will create a simple yet reliable record-keeping system for these informal credit groups, directly increasing their return on investment. Presented by Carrie Keju, Livelihoods Director and Mark Reilley, Director of Global Information Technology.