However, according to the World Bank Report, there are still 2 billion people in the world who do not have access to formal financial services, accounting for 38% of the world's adults. Another 73% of the poor could not have bank deposits because of the cost of opening an account, geographical restrictions, personal beliefs, and other difficulties. So, a third of the population in the world is still excluded from the formal financial system. The unbalanced development of finance can lead to the the polarization of wealth, and even social unrest.