When it comes down to money, people are smarter than you might think they are. I visit Africa regularly and they use M-pesa as a payment method via mobile phones.
I have seen people living in the poorest countries in Africa, using this technology to buy and trade for goods. Some people in the western developing countries, see these people living in situations like these, and they might think they are dumb or intellectually challenged.
Those people need to get a wake up call... If you are unemployed or if you are poor, you are not neccesarily intellectually challenged.
I have seen some of the most intellegent people in Africa, who did not have the money or opportunity to study at Havard, but they are just unemployed due to their environment and background.
People will figure it out, just give them access to the information.