From Exclusion to Financial Inclusion

By Dave Sessions

It can be expensive to be poor and excluded from access to financial services. A recent global study by the Asian Development Bank found that access to financial services, particularly those provided electronically, can reduce poverty and income inequality. According to the World Bank, “Financial inclusion means that individuals and businesses have access to useful and affordable financial products and services that meet their needs – transactions, payments, savings, credit and insurance – delivered in a responsible and sustainable way.”


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