This Working Paper explores what the private sector, and in particular financial institutions in both emigration and immigration countries, and their service providers, can do to better the value propositions currently available to migrants and their families. Beyond and above the efforts of past years to improve transparency and certainty, competition, and reduce costs (efforts which have delivered results mostly in the American corridors), remittances remain in majority paid in and paid out in cash. The failure of the financial system – at times ill-assisted by prevailing policy and legislation - to bank migrants and their families deprives them, and society, of the benefits of access to finance.