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Migrant laborers generally depend on change offices and cash transfer companies, as relatively few of them have bank accounts. Western Union and other companies often charge exorbitant fees for remittances. But those days could soon be over, if Atsumasa Tochisako has his way. His company, Microfinance International (MFIC), wants to provide migrants and other low-income earners fair access to financial services. MFIC already has 300 branches in the US alone, providing financial links with 85 countries.