Workers migrate away from their families to serve as labor in rich countries and send capital in the form of remittances, or money transfers, back to their loved ones in impoverished communities around the world,say Yania Marcelino and Shannah Kurland in a report for New America Media. But a key challenge faced by these communities is the high fees associated with remittance transactions. Studies show that if money-transfer fees were cut in half, 33 million people could be lifted out of poverty in the developing world.