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Juniper found in its study that the use of smaller "pure-play" digital providers, like SendWave, Xoom and WorldRemit, will grow in the next two years as immigrants get more comfortable using these services. WorldRemit, for instance, was created specifically with immigrants in mind. Company founder Ismail Ahmed first saw the opportunity to improve money transfers while studying at a university in London. Every time he sent money home to Africa, he had to travel across the city to an agent who charged a small fortune in fees. Through WorldRemit's app and website, people can make transfers online for a fraction of the price of traditional wire services.

"Previously dominated by Western Union and MoneyGram, the international mobile g-case iphone xs max money transfer is becoming increasingly competitive with these new mobile remittance providers offering markedly lower prices than the established players," said Nitin Bhas, author of Juniper's report, SendWave, the app used by Church World Service's Mohamed, was developed for Kenya and other East African countries, Unlike other money transfer services, it doesn't charge transfer fees, just exchange rate fees, because its process is automated..

The company, which didn't respond to requests for comment, says on its website it can save customers as much as $9 for every $100 sent. Without SendWave, many would send money through a hawala system, a network of money transfer agents commonly used in East Africa and the Middle East. A hawala agent is paid a small amount -- transactions cost less than 5 percent and are often as low as 1 percent -- to transfer money to another person. The agent, in turn, contracts with another agent to deliver the funds.

The problem for refugees in Lancaster, Pennsylvania: The nearest hawaladar, or hawala agent, is in Virginia, Mohamed said it's too early for Siyat g-case iphone xs max and Adan Hassan to use SendWave, The brothers have yet to find jobs, and the flip phones his organization gave them don't support the app, But it won't be long before they upgrade to a smartphone, "The minute they get a job, they buy a smartphone," Mohamed said, "It's a priority for them."First published September 1 at 5:00 a.m, PT, Updated September 19 at 5:00 a.m, PT: Added the US administration's goal of accepting 110,000 refugees in 2017, along with UN figures on the number of people worldwide forcibly displaced by "conflict and persecution."Updated September 20, at 2:10 p.m, PT: Added President Obama's announcement..

For the 85,000 refugees who will resettle in the US this year, mobile phones have become as essential to their daily lives as a safe, clean place to live and a steady job. This story is part of our Road Trip 2016 summer series "Life, Disrupted," about how technology is helping with the global refugee crisis -- if at all. Omar Mohamed has helped dozens of African refugees resettle in the US. Among the first items he sets up for them: a mobile phone. Be respectful, keep it civil and stay on topic. We delete comments that violate our policy, which we encourage you to read. Discussion threads can be closed at any time at our discretion.