Bal Krishna Joshi is the co-founder of Machnet Technology Inc., USA.  Machnet created one of the world's first RaaS (Remittances-as-a-Service) programs from Nepal. The first implementation was done through ThamelRemit.  RaaS allows ThamelRemit to offer digital remittance services from the US.  The program has now expanded to countries like Mongolia, Armenia, Kenya, and Thailand.