Implementing mobile microfinance in USA

I think that this is not the question of can mobile microfinance be implemented in the USA? It is a question of should it be and why. The main reason I think that mobile microfinance should be implemented in the USA is because of the existence of poverty in the country. There are many people who do not even have a permanent residence. Mobile microfinancing would bring all the poor people under a net and let them enhance their financial expenditure capabilities. The poor people could be made to utilize online apps of banks and other financial institutions to get loans and information about their credit rating. They may also use their microfinance to learn new skills to enhance their learning of certain technical jobs and apply to such jobs in an online environment.