I've been involved with microfinance for a decade, and I would say the biggest change I've seen globally is savings. The poor identified to us early on that saving was important, but there was nowhere to save their funds, so that's one of the reasons Opportunity International moved toward establishing formal financial institutions. That was so we could take on savings and take their funding on deposit, and we could then turn around and lend that to the poor, which is a lever and allows us to increase our capacity and reach further, farther, faster.
That's one of the biggest changes I've seen: the poor now save.