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The purpose of this paper is to provide a perspective on consumers and technology in a changing world using insights gained from subsistence marketplaces. Consumers in a changing world are on different parts of the economic spectrum and are also reflected in contexts of poverty that is termed subsistence marketplaces. “Data” comes from pioneering the subsistence marketplaces stream of research, education and social enterprise.

The authors study the intersection of poverty and marketplaces, beginning at the micro-level, and take a bottom-up approach to deriving implications.

The authors cover both aspects – what micro-level insights about thinking, feeling and coping mean for technology perceptions and usage in general and what specific insights are derived for designing and implementing solutions that have bearing on the use of technology. In the course of all endeavors in research, education and social enterprise, technology, particularly information and communications technology, has been central.

The authors discuss implications for research at the confluence of a variety of uncertainties inherent in the context of subsistence marketplaces, in environmental issues and climate change and in the nature and speed of technological change and progress.

In this paper, the authors discuss what subsistence marketplaces mean for consumers and technology in a changing world, lessons learned for the design and development of technological solutions, technological innovation from subsistence marketplaces and a broader discussion of the importance of bottom-up approaches to the intersection of subsistence marketplaces and technological solutions.

The authors use insights developed from pioneering the arena of subsistence marketplaces and creating synergies between research, education and social enterprise.

The authors look back and forward in terms of challenges and opportunities for marketing, viewed from the vantage point of the subsistence marketplaces stream. The authors discuss how marketing can evolve and expand to address the scale and scope of challenges that lie ahead. By way of challenges, the authors discuss the confluence of uncertainties, such as inherent in the Base of the Pyramid (BoP) contexts, in environmental issues, and in the arena of technological solutions, as well as the confluence of unfamiliarities among managers, students, and researchers. The authors discuss opportunities for marketing through a bottom-up approach and argue for evolving marketing with rapidly changing reality in BoP markets, a harbinger and an innovation laboratory for all contexts.

This study aims to examine whether social inclusion policies promote financial inclusion. Three social inclusion policies were analyzed: gender equality policies, environmental sustainability policies and social protection (SP) policies.

The study used the panel fixed effect regression methodology to analyze data from 48 low- and medium-income countries.

The results show that social inclusion policies do not have a significant effect on financial inclusion. Also, the older population is less likely to own an account at a formal financial institution in low- and medium-income countries that have strong environmental sustainability policies and institutions. The implication of the finding is that the policies and institutions established to promote environmental sustainability can discourage the older population from keeping the population's wealth in formal financial institutions in the country.

Policy makers should consider how social and environmental policies and programs can be designed to promote financial inclusion for older individuals in the individuals' countries.

The financial inclusion literature has not considered the role of social inclusion policies in promoting financial inclusion for individuals, businesses and the excluded groups in a country.