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Many African and Asian countries have people working in the Gulf countries of the Middle-East. And many of these come from villages and they have no way of sending money back to their families, other than for instance Western Union or something.But now in countries like The Philippines, in Kenya, the operators, and the banks have tried together with the operators in the Middle-East for instance, so that they can send money from the Middle-East to their countries by using some kind of an accounting system with the bank and the operator.