Inclusive Financial Systems

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</section> <section class="topic-page-banner component topic-page-banner--dark"> <div class="topic-page-banner__wrapper"> <div class="topic-page-banner__content-container"> <div class="topic-page-banner__content container"> <h1 class="topic-page-banner__title">Inclusive Financial Systems</h1> <div class="topic-page-banner__details"> <div class="topic-page-banner__eyebrow">Our goal</div> <div class="topic-page-banner__subtitle"> To expand access to digital financial services so people in the lowest-income communities around the globe can build security and prosperity for themselves, their families, and their communities. </div> </div> </div> </div> <div class="topic-page-banner__media-container container"> <figure class="topic-page-banner__image"> <img alt="Cell phones connect an increasing number of Kenyans with digitally-based financial tools and services. " srcset="/-/media/gfo/4our-work/programs/global-growth-and-dev/globalgrowth_financialsvs_ga1290996_fc274968_2000x1125.jpg?rev=05fa9405d25c41f1b935aadff46f7f95&w=2000&hash=6C623D5DDBBEDA0871CBBFE351B8D434 2000w, /-/media/gfo/4our-work/programs/global-growth-and-dev/globalgrowth_financialsvs_ga1290996_fc274968_2000x1125.jpg?rev=05fa9405d25c41f1b935aadff46f7f95&w=1600&hash=3FCFC0676DED8AC718013E11BB673E9E 1600w, /-/media/gfo/4our-work/programs/global-growth-and-dev/globalgrowth_financialsvs_ga1290996_fc274968_2000x1125.jpg?rev=05fa9405d25c41f1b935aadff46f7f95&w=1200&hash=C68AAF8D9E03AC8EF61B7F725E7A3C13 1200w, /-/media/gfo/4our-work/programs/global-growth-and-dev/globalgrowth_financialsvs_ga1290996_fc274968_2000x1125.jpg?rev=05fa9405d25c41f1b935aadff46f7f95&w=800&hash=3868533D3F4A91B316C593E1F1240FAE 800w, /-/media/gfo/4our-work/programs/global-growth-and-dev/globalgrowth_financialsvs_ga1290996_fc274968_2000x1125.jpg?rev=05fa9405d25c41f1b935aadff46f7f95&w=400&hash=70278C877344F1329057C89B0B808B79 400w" loading="eager" height="1125" width="2000" sizes="(min-width: 1230px) 1170px, 100vw" class="image-element" style="--image-height:1125; --image-width:2000"> <figcaption class="topic-page-banner__caption-wrapper"> <span class="topic-page-banner__caption">In Kenya, an increasing number of low-income people access financial tools and services from their cell phones.</span> </figcaption> </figure> </div> </div> </section> </section> <section class="component component--sticky-nav jump-navigation js-jump-nav-mount " data-label="Sections" lang="en" dir="ltr"></section> <section class="component container container--100 "> <div class="container__col container__col--100"> <section class="fact-sheet component"> <div class="fact-sheet__title-wrapper"> <h2 class="fact-sheet__title">At a glance</h2> </div> <div class="fact-sheet__facts rich-text"> <ul> <li>Today, about three quarters of people worldwide have an account at a financial institution or through a mobile money provider. This is a 50 percent increase in the past ten years.<sup>1</sup> This revolution in financial inclusion has the potential to offer a pathway out of poverty for hundreds of millions of people and to spur broad economic growth. </li> <li>We work to expand the availability of affordable and reliable financial services that serve the needs of all, including the world's poorest people. </li> <li>Digital technologies and changes in national policy are clearing away obstacles that once kept these services out of reach for many, but tough challenges remain. </li> <li>We work with our partners to support public and private investment in digital payment infrastructure, new regulatory standards, and gender equality initiatives such as digitized government benefit payments, to ensure continued progress toward the promise of financial inclusion.</li> </ul> <p style="font-size:small;"><sup>1</sup> World Bank, “Global Findex 2021”</p> </div> </section> </div> </section> <section class="component container container--bleed " id="Container-c5bae1e6-eb51-4bb9-906e-8dd44bff45e6" style=" "> <section class="component manual-internal-promo-slider js-manual-internal-promo-slider manual-internal-promo-slider--rule-line"> <div class="manual-internal-promo-slider__container container"> <div class="manual-internal-promo-slider__header section-headline"> <h2 class="manual-internal-promo-slider__title section-headline__title"> The latest updates on inclusive financial systems </h2> <div class="manual-internal-promo-slider__controls section-headline__cta"> <button class="btn manual-internal-promo-slider__prev js-slide-prev-button" type="button" aria-label="previous"> <svg class="icon manual-internal-promo-slider__icon-prev" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#arrow-left"> </use> </svg> </button> <button class="btn manual-internal-promo-slider__next js-slide-next-button" type="button" aria-label="next"> <svg class="icon manual-internal-promo-slider__icon-next" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#arrow-right"> </use> </svg> </button> </div> </div> <div class="manual-internal-promo-slider__controls-full"> <button class="btn manual-internal-promo-slider__prev js-slide-prev-button" type="button" aria-label="previous"> <svg class="icon manual-internal-promo-slider__icon-prev" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#arrow-left"> </use> </svg> </button> <button class="btn manual-internal-promo-slider__next js-slide-next-button" type="button" aria-label="next"> <svg class="icon manual-internal-promo-slider__icon-next" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#arrow-right"> </use> </svg> </button> <div class="manual-internal-promo-slider__slide-bar"> <div class="manual-internal-promo-slider__slide-bar-pos js-slide-position-bar"></div> </div> </div> <div class="manual-internal-promo-slider__slider js-slide-container" style="display:none"> <section class="article-promo component"> <figure class="article-promo__media"> <a href="/ideas/articles/women-digital-public-infrastructure" title="Unlocking women’s economic power through digital public infrastructure "> <img srcset="/-/media/gfo/5ideas_articles/articles/20240925-women-digital-public-infrastructure/image_morzina_ga17574443_fm689903.jpg?rev=794c86a804e0438c8270dc702c94e484&w=650&hash=5F293D4E13DF2C9D68AAA79627D87E28 1x, /-/media/gfo/5ideas_articles/articles/20240925-women-digital-public-infrastructure/image_morzina_ga17574443_fm689903.jpg?rev=794c86a804e0438c8270dc702c94e484&w=1300&hash=0AC2B27C54423EA6B64C6D031C31EECF 2x" alt="Morzina Begum (40), a tailor, shows off an item of clothing she recently made. Morzina embodies financial empowerment by being part of the SATHI Network in Rajshahi, Bangladesh, on April 2, 2024.The SATHI Network is a dedicated women-led agent network spanning across the country, to ensure convenient access to financial services for marginalized women at the last mile. Women agents in rural areas foster a sense of trust and comfort among female customers, enabling them to engage more confidently in financial transactions. The gender-specific intervention promotes financial inclusion and empowering un/underbanked women in a safe and supportive environment." /> </a> </figure> <div class="article-promo__content"> <div class="article-promo__content-head"> <div class="article-promo__eyebrow">Article</div> <h2 class="article-promo__title"> <a href="/ideas/articles/women-digital-public-infrastructure" class="link"> Unlocking women’s economic power through digital public infrastructure </a> </h2> <div class="article-promo__description"> In many regions, women experience many more barriers to accessing digital services digital public infrastructure than men. Yet, including women in digital systems could add US$4.9 trillion to the global economy by 2030. </div> </div> <div class="article-promo__content-body"> <div class="article-promo__author"> <span class="article-promo__author-text">Monique Nsanzabaganwa</span> <span class="article-promo__location">Deputy Chairperson, African Union Commission</span> </div> </div> </div> </section> <section class="article-promo component"> <figure class="article-promo__media"> <a href="/ideas/articles/open-source-financial-inclusion-tazama" title="How a new fraud detection software can help millions more people bank safely"> <img srcset="/-/media/gfo/5ideas_articles/articles/20240228-open-source-financial-inclusion-tazama/hero_ideas_fraud-oss_02282024.jpg?rev=5324ef8271924ee28d5a74a59ad53d82&w=650&hash=22981993F68B19BE8ACEE5CE4FFAF073 1x, /-/media/gfo/5ideas_articles/articles/20240228-open-source-financial-inclusion-tazama/hero_ideas_fraud-oss_02282024.jpg?rev=5324ef8271924ee28d5a74a59ad53d82&w=1300&hash=9D614E22AA3DCACF1265AF0914D05911 2x" alt="How a new anti-fraud software can help millions more people bank safely " /> </a> </figure> <div class="article-promo__content"> <div class="article-promo__content-head"> <div class="article-promo__eyebrow">Article</div> <h2 class="article-promo__title"> <a href="/ideas/articles/open-source-financial-inclusion-tazama" class="link"> How a new fraud detection software can help millions more people bank safely </a> </h2> <div class="article-promo__description"> Learn how innovative anti-fraud software can increase financial inclusion for millions worldwide, providing access to formal financial products and services. </div> </div> <div class="article-promo__content-body"> <div class="article-promo__author"> <span class="article-promo__author-text">Konstantin Peric</span> <span class="article-promo__location">Deputy Director, Payment Systems, Gates Foundation</span> </div> </div> </div> </section> <section class="article-promo component"> <figure class="article-promo__media"> <a href="/ideas/articles/what-is-digital-public-infrastructure" title="Why digital public infrastructure matters"> <img srcset="/-/media/gfo/5ideas_articles/articles/20230816-what-is-digital-public-infrastructure/hero_ideas_dpi-explainer_ga17089024_mm646912_08162023_1600x1000.jpg?rev=1b44f5f8432e45e59d81a5e53905b7d9&w=650&hash=DF808E2AFF0E6FFB93E2ABD1DE6C5A1A 1x, /-/media/gfo/5ideas_articles/articles/20230816-what-is-digital-public-infrastructure/hero_ideas_dpi-explainer_ga17089024_mm646912_08162023_1600x1000.jpg?rev=1b44f5f8432e45e59d81a5e53905b7d9&w=1300&hash=0F9666C6689FEFE6DAAC93EBA8D92F59 2x" alt="Poonam poses for a photograph with her India Post Payments Bank card that helps her access digital banking in Mumbai, India." /> </a> </figure> <div class="article-promo__content"> <div class="article-promo__content-head"> <div class="article-promo__eyebrow">Article</div> <h2 class="article-promo__title"> <a href="/ideas/articles/what-is-digital-public-infrastructure" class="link"> Why digital public infrastructure matters </a> </h2> <div class="article-promo__description"> Digital public infrastructure (DPI) is a powerful tool for reducing poverty. Our expert explains what it is and how it’s transforming economies worldwide. </div> </div> <div class="article-promo__content-body"> <div class="article-promo__author"> <span class="article-promo__author-text">Thao Hong</span> <span class="article-promo__location">Program Officer, Gates Foundation</span> </div> </div> </div> </section> <section class="article-promo component"> <figure class="article-promo__media"> <a href="/ideas/articles/mosip-digital-id-systems" title="Digital IDs are an effective tool against poverty. A global solution is making them available to millions. "> <img srcset="/-/media/gfo/5ideas_articles/articles/20230816-mosip-digital-id-systems/dsc_2572_1600x1000.jpg?rev=641071f47e194f02be3b212d5e20907e&w=650&hash=CC11B790B29F715BEE933BB2C7290774 1x, /-/media/gfo/5ideas_articles/articles/20230816-mosip-digital-id-systems/dsc_2572_1600x1000.jpg?rev=641071f47e194f02be3b212d5e20907e&w=1300&hash=0C7AB207FC1B099A2AE8992251D8AD37 2x" alt="" /> </a> </figure> <div class="article-promo__content"> <div class="article-promo__content-head"> <div class="article-promo__eyebrow">Article</div> <h2 class="article-promo__title"> <a href="/ideas/articles/mosip-digital-id-systems" class="link"> Digital IDs are an effective tool against poverty. A global solution is making them available to millions. </a> </h2> <div class="article-promo__description"> The team behind the open-source technology MOSIP are transforming lives through their inclusive approach. </div> </div> <div class="article-promo__content-body"> <div class="article-promo__author"> <span class="article-promo__author-text">Kanwaljit Singh, Ph.D.</span> <span class="article-promo__location">Senior Program Officer, Gates Foundation</span> </div> </div> </div> </section> <section class="article-promo component"> <figure class="article-promo__media"> <a href="/ideas/articles/2021-findex-report-financial-inclusion-benefits-bangladeshi-women" title="Global Findex 2021: How digital wages empower Bangladeshi women"> <img srcset="/-/media/gfo/5ideas_articles/articles/20220629-2021-findex-report-financial-inclusion-benefits-bangladeshi-women/hero_ideas_findexwagedigitizationsnigdhaali_06292022_1600x1000.jpg?rev=5a2859c8a5534a858005333143c2dd9e&w=650&hash=6B9D47D3DBBDAF4226A246DADC66488D 1x, /-/media/gfo/5ideas_articles/articles/20220629-2021-findex-report-financial-inclusion-benefits-bangladeshi-women/hero_ideas_findexwagedigitizationsnigdhaali_06292022_1600x1000.jpg?rev=5a2859c8a5534a858005333143c2dd9e&w=1300&hash=EDF34288D2ABCB97EDEC7C3DA6A1A470 2x" alt="Sweety, an assistant quality checker at a garment factory, learned how to use an ATM and track income and expenses with HERproject." /> </a> </figure> <div class="article-promo__content"> <div class="article-promo__content-head"> <div class="article-promo__eyebrow">Article</div> <h2 class="article-promo__title"> <a href="/ideas/articles/2021-findex-report-financial-inclusion-benefits-bangladeshi-women" class="link"> Global Findex 2021: How digital wages empower Bangladeshi women </a> </h2> <div class="article-promo__description"> The Bangladeshi government’s quick action to pay garment workers digitally during the pandemic led to enormous dividends for women workers—and demonstrated the power of financial inclusion to improve women’s lives. </div> </div> <div class="article-promo__content-body"> <div class="article-promo__author"> <span class="article-promo__author-text">Snigdha Ali</span> <span class="article-promo__location">Program Officer, Inclusive Financial Systems, Gates Foundation</span> </div> </div> </div> </section> <section class="article-promo component"> <figure class="article-promo__media"> <a href="/ideas/articles/polio-vaccination-workers-mobile-money" title="The future of global health: polio and mobile money"> <img srcset="/-/media/gfo/5ideas_articles/articles/20211021-polio-vaccination-workers-mobile-money/hero_ideas_poliomobilemoney102121_1600x1000.jpg?rev=e208ab4c25224704a9fd317d108305d1&w=650&hash=716ABF1D00130BC35EAC74C4096ABF79 1x, /-/media/gfo/5ideas_articles/articles/20211021-polio-vaccination-workers-mobile-money/hero_ideas_poliomobilemoney102121_1600x1000.jpg?rev=e208ab4c25224704a9fd317d108305d1&w=1300&hash=9C957DCCAEAE20BA1A40C339426CBFA6 2x" alt="A government employee enrolls a campaign worker into the worker database in Kongo Central, Democratic Republic of the Congo." /> </a> </figure> <div class="article-promo__content"> <div class="article-promo__content-head"> <div class="article-promo__eyebrow">Article</div> <h2 class="article-promo__title"> <a href="/ideas/articles/polio-vaccination-workers-mobile-money" class="link"> The future of global health: polio and mobile money </a> </h2> <div class="article-promo__description"> Mobile payments to vaccination workers are an important tool in the fight to end polio—a tool that promises to have similar benefits for any number of other public health initiatives. </div> </div> <div class="article-promo__content-body"> <div class="article-promo__author"> <span class="article-promo__author-text">Andrew Stein</span> <span class="article-promo__location">Deputy Director, Polio, Gates Foundation</span> </div> </div> </div> </section> </div> </div> </section> </section> <section class="component container container--bleed container--background" id="Container-750f0f31-9da0-496f-b971-bc6f07700816" style="--background-color:#F5F3ED "> <section class="section-headline component component--headline container " lang="en" dir="ltr"> <h2 class="section-headline__title">Building inclusive, resilient economies</h2> <div class="section-headline__cta"> <a class="arrow-link arrow-link--arrow" href="/ideas/digital-public-infrastructure"> <span>Learn more about digital public infrastructure</span> <svg class="icon icon--arrow-right" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#arrow-right"> </use> </svg> </a> </div> </section> <section class="component container container--50-50 "> <div class="container__col container__col--50"> <section class="article-promo component" lang="en" dir="ltr"> <figure class="article-promo__media"> <a data-gtm-element="promo image" href="/ideas/digital-public-infrastructure" data-gtm-link="https://www.gatesfoundation.org/ideas/digital-public-infrastructure"> <img srcset="/-/media/gfo/5ideas_articles/dpi/dpi-still-fsp.png?rev=48175ee81b444cd8a4f26e19049e4d65&w=400&hash=AD8C24F3F3CC82261E8A9C211969D0DA 400w,/-/media/gfo/5ideas_articles/dpi/dpi-still-fsp.png?rev=48175ee81b444cd8a4f26e19049e4d65&w=800&hash=944CF31A7394F43D669F0E4B678C27A0 800w,/-/media/gfo/5ideas_articles/dpi/dpi-still-fsp.png?rev=48175ee81b444cd8a4f26e19049e4d65&w=1016&hash=FC3A72293CBDA026CE0B185A595CB60D 1016w" alt="Digital Public Infrastructure" sizes="(min-width: 770px) 770px, 100vw" loading="lazy"/> </a> </figure> <div class="article-promo__content"> <div class="article-promo__author"> <span class="article-promo__author-text"> </span> </div> </div> </section> </div> <div class="container__col container__col--50"> <section class="pull-quote component "> <figure class="pull-quote__figure"> <blockquote id="3d9225c582fd4fb9bd74d5976bea9e05" class="pull-quote__blockquote"> “By connecting people and making it easier to move money and share information, DPI is in many ways the modern-day equivalent of the roads and bridges that helped reshape economies in the 19th century.” </blockquote> <figcaption class="pull-quote__caption"> <div class="pull-quote__author">Kanwaljit Singh, Ph.D.</div> <div class="pull-quote__source"> Senior Program Officer </div> <div class="pull-quote__employer"> Gates Foundation </div> </figcaption> </figure> <div class="pull-quote__share-container"> </div> </section> </div> </section> </section> <section class="component container container--bleed " id="Container-444168ff-3f6b-4c83-aa67-5fd18dbd1009" style=" "> <a class="component jump-nav-anchor js-jump-nav-anchor" id="our_strategy">Our strategy</a> <section class="component container container--100 "> <div class="container__col container__col--100"> <section class="section-headline component component--headline container section-headline--no-border " lang="en" dir="ltr"> <h2 class="section-headline__title">Our strategy</h2> </section> <section class="rich-text js-rich-text component" style="--max-width:700px" lang="en" dir="ltr"> <div class="rich-text__snippet rich-text__snippet--5050"> <div class="rich-text__5050-left"> <p>We work to broaden the reach of low-cost digital financial services for the poor by supporting what we and our partners believe are the most catalytic approaches to financial inclusion. These include promoting the development of digital payment systems that can help spread use of digital financial services quickly, advancing gender equality to ensure that women share in the benefits of financial inclusion, and supporting the development of national and regional strategies that accelerate progress for the poor and can serve as models. </p> <p> To achieve these objectives, we work with partners around the world to align on common principles for digital financial inclusion and support policymakers as they work to develop policies and regulations that facilitate growth in digital financial services and provide oversight and accountability. We also invest in national financial inclusion initiatives, through which the largest number of people living in poverty stand to benefit, including in Bangladesh, India, Nigeria, Pakistan, Indonesia, and East Africa.</p> </div> <div class="rich-text__5050-right"> <p>We focus not on establishing a particular product or distribution channel, but rather on finding innovative ways to expand access and encourage markets to determine which products and channels are most effective. We support approaches that can provide financial services to the broadest number of people, but we also recognize that countries are at different stages of developing inclusive digital financial systems and their approaches must reflect the distinct needs of their economies and citizens.</p> </div> </div> </section> <section class="component container container--100"> <div class="container__col container__col--100"> <section class="related-grants-listing related-grants-listing--rule-line"> <div class="related-grants-listing__title">Latest grants</div> <ul class="related-grants-listing__list"> <li class="related-grants-listing__list-item"> <div class="grant-listing-item"> <div class="grant-listing-item__title js-make-clickable-element" data-location="/about/committed-grants/2024/12/inv-057239"> Confederation of Financial Institutions- West Africa </div> <a href="/about/committed-grants/2024/12/inv-057239" class="arrow-link arrow-link--external grant-listing-item__link" data-gtm-element="arrow link" data-gtm-link="https://www.gatesfoundation.org/about/committed-grants/2024/12/inv-057239" data-gtm-text="View grantee"> <span>View grantee</span> </a> </div> </li> <li class="related-grants-listing__list-item"> <div class="grant-listing-item"> <div class="grant-listing-item__title js-make-clickable-element" data-location="/about/committed-grants/2024/12/inv-073144"> Kuunda Holdings Limited </div> <a href="/about/committed-grants/2024/12/inv-073144" class="arrow-link arrow-link--external grant-listing-item__link" data-gtm-element="arrow link" data-gtm-link="https://www.gatesfoundation.org/about/committed-grants/2024/12/inv-073144" data-gtm-text="View grantee"> <span>View grantee</span> </a> </div> </li> <li class="related-grants-listing__list-item"> <div class="grant-listing-item"> <div class="grant-listing-item__title js-make-clickable-element" data-location="/about/committed-grants/2024/12/inv-073697"> Regnology Ireland Ltd </div> <a href="/about/committed-grants/2024/12/inv-073697" class="arrow-link arrow-link--external grant-listing-item__link" data-gtm-element="arrow link" data-gtm-link="https://www.gatesfoundation.org/about/committed-grants/2024/12/inv-073697" data-gtm-text="View grantee"> <span>View grantee</span> </a> </div> </li> <li class="related-grants-listing__list-item"> <div class="grant-listing-item"> <div class="grant-listing-item__title js-make-clickable-element" data-location="/about/committed-grants/2024/12/inv-074384"> United Nations Development Programme </div> <a href="/about/committed-grants/2024/12/inv-074384" class="arrow-link arrow-link--external grant-listing-item__link" data-gtm-element="arrow link" data-gtm-link="https://www.gatesfoundation.org/about/committed-grants/2024/12/inv-074384" data-gtm-text="View grantee"> <span>View grantee</span> </a> </div> </li> <li class="related-grants-listing__list-item"> <div class="grant-listing-item"> <div class="grant-listing-item__title js-make-clickable-element" data-location="/about/committed-grants/2024/11/inv-076412"> Integrated Payment Services Limited </div> <a href="/about/committed-grants/2024/11/inv-076412" class="arrow-link arrow-link--external grant-listing-item__link" data-gtm-element="arrow link" data-gtm-link="https://www.gatesfoundation.org/about/committed-grants/2024/11/inv-076412" data-gtm-text="View grantee"> <span>View grantee</span> </a> </div> </li> <li class="related-grants-listing__list-item"> <div class="grant-listing-item"> <div class="grant-listing-item__title js-make-clickable-element" data-location="/about/committed-grants/2024/11/inv-061717"> DAI Global UK Ltd </div> <a href="/about/committed-grants/2024/11/inv-061717" class="arrow-link arrow-link--external grant-listing-item__link" data-gtm-element="arrow link" data-gtm-link="https://www.gatesfoundation.org/about/committed-grants/2024/11/inv-061717" data-gtm-text="View grantee"> <span>View grantee</span> </a> </div> </li> </ul> <a href="https://www.gatesfoundation.org/about/committed-grants" class="arrow-link arrow-link--arrow btn btn--ghost" data-gtm-element="arrow link" data-gtm-link="https://www.gatesfoundation.org/about/committed-grants" data-gtm-text="See more"> <span>See more</span> <svg class="icon" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#arrow-right"> </use> </svg> </a> </section> </div> </section> </div> </section> </section> <section class="component container container--bleed container--background" id="Container-2f99fbe4-0ad6-4eb2-8493-f34d561987f0" style="--background-color:#F5F3ED "> <a class="component jump-nav-anchor js-jump-nav-anchor" id="areas_of_focus">Areas of focus</a> <section class="component container container--100 "> <div class="container__col container__col--100"> <section class="section-headline component component--headline container " lang="en" dir="ltr"> <h2 class="section-headline__title">Areas of focus</h2> <div class="section-headline__subtitle"> Digital technology and changes in national policy are clearing away obstacles that once kept digital financial services out of reach for many, but tough challenges remain. To help realize the full potential of digital financial services, policymakers and business leaders will need to invest in the right payment infrastructure, regulatory standards, and customer activation strategies to ensure continued progress toward the promise of financial inclusion. </div> </section> <section class="accordion component js-accordion accordion--with-description" lang="en" dir="ltr"> <div class="accordion__title"> <button class="btn accordion__toggle js-accordion-link" type="button"> Payment systems and infrastructure <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="2" class="accordion__plus"> <line class="accordion__plus-vertical-line" x1="12" y1="5" x2="12" y2="19"></line> <line class="accordion__plus-horizontal-line" x1="5" y1="12" x2="19" y2="12"></line> <rect class="accordion__plus-square" x="11" y="11" width="2" height="2" transform="rotate(45 12 12)" fill="currentColor"></rect> </svg> </button> <div class="accordion__description-desktop"> <section class="rich-text js-rich-text component"> <p><strong>One of our most important priorities is the development of digital payment systems that poor people and the businesses that serve them will actually use.</strong></p> </section> </div> </div> <div class="accordion__content js-accordion-content"> <div class="accordion__description-mobile"> <section class="rich-text js-rich-text component"> <p><strong>One of our most important priorities is the development of digital payment systems that poor people and the businesses that serve them will actually use.</strong></p> </section> </div> <section class="rich-text js-rich-text component"> <p>These systems can foster competition, drive innovation, and accelerate the development of digital financial products and services customized for the needs of low-income communities. To be genuinely inclusive, these payment systems must have five key traits:</p> <ul> <li style="padding-bottom: 1em;"><strong>Accessible.</strong> They need to reach into the poorest neighborhoods and smallest villages, and they need to be easy to acquire and understand.</li> <li style="padding-bottom: 1em;"><strong>Reliable.</strong> Users’ money and information must be readily available and highly secure—protected against cybertheft, money laundering, and other breaches.</li> <li style="padding-bottom: 1em;"><strong>Valuable.</strong> They must offer people clear advantages over using cash.</li> <li style="padding-bottom: 1em;"><strong>Affordable.</strong> They must be cost-free for all or most people.</li> <li><strong>Profitable.</strong> They must fully involve the private sector and allow service providers to develop sustainable business models. </li> </ul> <p>Perhaps the most important condition for the development of these payment systems is interoperability—allowing customers to transact with any other customer, whether or not they use the same service provider. This kind of open-loop system substantially lowers the costs and complexity of digital financial services and payment platforms. Opening up payment infrastructure to new kinds of companies outside of traditional banking organizations can help accelerate the development of these systems.</p> </section> </div> </section> <section class="accordion component js-accordion accordion--with-description" lang="en" dir="ltr"> <div class="accordion__title"> <button class="btn accordion__toggle js-accordion-link" type="button"> Increasing use of digital financial services <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="2" class="accordion__plus"> <line class="accordion__plus-vertical-line" x1="12" y1="5" x2="12" y2="19"></line> <line class="accordion__plus-horizontal-line" x1="5" y1="12" x2="19" y2="12"></line> <rect class="accordion__plus-square" x="11" y="11" width="2" height="2" transform="rotate(45 12 12)" fill="currentColor"></rect> </svg> </button> <div class="accordion__description-desktop"> <section class="rich-text js-rich-text component"> <p><strong>Our team is actively exploring ways to accelerate use of digital financial services.</strong></p> </section> </div> </div> <div class="accordion__content js-accordion-content"> <div class="accordion__description-mobile"> <section class="rich-text js-rich-text component"> <p><strong>Our team is actively exploring ways to accelerate use of digital financial services.</strong></p> </section> </div> <section class="rich-text js-rich-text component"> <p>One priority is facilitating services that help consumers convert digital money to cash when needed. These “cash in, cash out” services must be easily accessible, trusted, and available at low cost for consumers in order to work well and enable use by more people. But they are the highest-cost component of a digital payment ecosystem and the biggest challenge for private-sector players that want to provide innovative payments solutions. We also are working to promote the development of effective identification systems in priority geographies. ID platforms such as the Aadhaar system in India are promising models for providing safe, efficient, and widely beneficial identification services that support financial inclusion across a country.</p> </section> </div> </section> <section class="accordion component js-accordion accordion--with-description" lang="en" dir="ltr"> <div class="accordion__title"> <button class="btn accordion__toggle js-accordion-link" type="button"> Regulation and risk management <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="2" class="accordion__plus"> <line class="accordion__plus-vertical-line" x1="12" y1="5" x2="12" y2="19"></line> <line class="accordion__plus-horizontal-line" x1="5" y1="12" x2="19" y2="12"></line> <rect class="accordion__plus-square" x="11" y="11" width="2" height="2" transform="rotate(45 12 12)" fill="currentColor"></rect> </svg> </button> <div class="accordion__description-desktop"> <section class="rich-text js-rich-text component"> <p><strong>Governments can accelerate financial inclusion by establishing regulatory frameworks, policies, and incentives to help a wider variety of digital financial service providers compete on a level playing field while protecting consumers and the financial system.</strong></p> </section> </div> </div> <div class="accordion__content js-accordion-content"> <div class="accordion__description-mobile"> <section class="rich-text js-rich-text component"> <p><strong>Governments can accelerate financial inclusion by establishing regulatory frameworks, policies, and incentives to help a wider variety of digital financial service providers compete on a level playing field while protecting consumers and the financial system.</strong></p> </section> </div> <section class="rich-text js-rich-text component"> <p>Open and fair competition will spur innovation and competition and drive down costs, as will essential regulations governing agents, licensing, and know-your-customer policies. But financial inclusion is not just about developing systems and lowering barriers. Our work also focuses on new risks and challenges, including how to protect millions of new consumers and how a wider range of market participants can be supervised.</p> </section> </div> </section> <section class="accordion component js-accordion accordion--with-description" lang="en" dir="ltr"> <div class="accordion__title"> <button class="btn accordion__toggle js-accordion-link" type="button"> Promoting women’s financial inclusion and economic empowerment <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" strokeWidth="2" class="accordion__plus"> <line class="accordion__plus-vertical-line" x1="12" y1="5" x2="12" y2="19"></line> <line class="accordion__plus-horizontal-line" x1="5" y1="12" x2="19" y2="12"></line> <rect class="accordion__plus-square" x="11" y="11" width="2" height="2" transform="rotate(45 12 12)" fill="currentColor"></rect> </svg> </button> <div class="accordion__description-desktop"> <section class="rich-text js-rich-text component"> <p><strong>At the core of our foundation’s approach to digital financial inclusion are investments that put women front and center to ensure that more of them benefit from empowering financial tools and services—such as digital financial accounts, mobile money, and credit.</strong></p> </section> </div> </div> <div class="accordion__content js-accordion-content"> <div class="accordion__description-mobile"> <section class="rich-text js-rich-text component"> <p><strong>At the core of our foundation’s approach to digital financial inclusion are investments that put women front and center to ensure that more of them benefit from empowering financial tools and services—such as digital financial accounts, mobile money, and credit.</strong></p> </section> </div> <section class="rich-text js-rich-text component"> <p>When women can fully participate in the economy, they enhance the prosperity of their family, community, and country. Women’s economic empowerment is essential for global economic recovery and growth.</p> <p>As of June 2021, we are committing US$500 million over the next five years to advance women’s financial inclusion. As part of this commitment, we are making strategic investments that align with the pillars set out by the Generation Equality Forum’s Economic Justice and Rights Action Coalition:</p> <ul> <li style="padding-bottom: 1em;"><strong>Supporting enabling laws and policies.</strong> This includes working to remove legal and regulatory barriers to women’s access to financial services, to increase the number of social protection schemes that include gender-intentional payments that spur women to use digital accounts more broadly, and to measure the impact of laws and policies through the use of gender-disaggregated data.</li> <li style="padding-bottom: 1em;"><strong>Spurring gender-inclusive product innovations.</strong> This includes reducing barriers to entry for women entrepreneurs and facilitating digital platforms for women’s leadership, entrepreneurship, and financial inclusion.</li> <li style="padding-bottom: 1em;"><strong>Modernizing and improving digitally-enabled services.</strong> This includes scaling up inclusive platforms, particularly for digital payments and ID infrastructure, to promote women’s financial and economic inclusion and activity.</li> <li><strong>Addressing normative barriers to women’s financial inclusion.</strong> This includes advocating for legal, policy, and regulatory reforms as well as supporting innovative services that empower women economically.</li> </ul> </section> </div> </section> </div> </section> </section> <section class="component container container--bleed " id="Container-da91e84d-4c8f-4392-a7dd-3584d202d5f7" style=" "> <a class="component jump-nav-anchor js-jump-nav-anchor" id="why_focus_on_inclusive_financial_systems">Why focus on inclusive financial systems?</a> <section class="component container container--100 "> <div class="container__col container__col--100"> <section class="section-headline component component--headline container section-headline--no-border " lang="en" dir="ltr"> <h2 class="section-headline__title">Why focus on inclusive financial systems?</h2> </section> <section class="rich-text js-rich-text component" style="--max-width:700px" lang="en" dir="ltr"> <div class="rich-text__snippet rich-text__snippet--5050"> <div class="rich-text__5050-left"> <p>Every year, millions of people around the world transition out of poverty. Regional growth and economic opportunities like new jobs, technologies, and business opportunities help people build more stable economic lives. At the same time, millions of people remain trapped in a cycle of poverty that is difficult to escape. We believe that financial exclusion is a significant driver of this cycle. </p> <p>About 1.4 billion people worldwide are excluded from formal financial services such as savings, payments, insurance, and credit. In developing economies, only 71 percent of adults have an account, and women—about 740 million of them—are disproportionately excluded from beneficial financial systems.</p> </div> <div class="rich-text__5050-right"> <p>Most poor households still operate almost entirely through a cash economy. This means they have to save using physical assets, such as livestock or jewelry. Cash gets spent, animals die, and jewelry can be lost or stolen. What’s more, these forms of savings earn no interest and can actually lose value over time. To send money to family, those without a bank account have to rely on couriers or friends who carry cash by bus, which is expensive, insecure, and slow. To borrow money in an emergency, they must turn to moneylenders who charge notoriously high interest rates. </p> <p>Without formal financial histories, people are also cut off from potentially stabilizing and uplifting opportunities like building credit or getting a loan to start a business. And it’s harder to weather common financial setbacks, such as serious illness, a poor harvest, or an economic downturn. All too often, financial exclusion makes the expenses of poverty difficult to overcome. </p> </div> </div> </section> </div> </section> </section> <section class="component container container--bleed " id="Container-80aad8ec-6e2a-4d2e-b74e-677e60f33359" style=" "> <a class="component jump-nav-anchor js-jump-nav-anchor" id="strategy_leadership">Strategy leadership</a> <section class="component manual-internal-promo-slider js-manual-internal-promo-slider manual-internal-promo-slider--rule-line" data-slides-to-show="3" data-leave-gap data-slides-to-scroll="1" lang="en" dir="ltr"> <div class="manual-internal-promo-slider__container container"> <div class="manual-internal-promo-slider__header section-headline"> <h2 class="manual-internal-promo-slider__title section-headline__title"> Strategy leadership </h2> <div class="manual-internal-promo-slider__controls section-headline__cta"> <button class="btn manual-internal-promo-slider__prev js-slide-prev-button" type="button" 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srcset="/-/media/gfo/3about/3people/ga1415767_michael_wiegand_20150311_0001.jpg?rev=cbcc059fb2ee435ea755c2a2379bb808&w=2340&hash=8A459653A4336FF90AAD85D5FA6E182B 1x, /-/media/gfo/3about/3people/ga1415767_michael_wiegand_20150311_0001.jpg?rev=cbcc059fb2ee435ea755c2a2379bb808&w=4680&hash=523BDB46D1ADCF33A3DC88BFA530FE60 2x" alt="Michael Wiegand" /> </a> </figure> <div class="expert-profile-card__expert-details"> <div class="expert-profile-card__name"> Michael Wiegand </div> <div class="expert-profile-card__occupation"> Director, Inclusive Financial Systems </div> <div class="expert-profile-card__description"> Michael Wiegand leads the foundation’s effort to make high quality financial services widely accessible to poor people throughout the developing world. </div> <div class="expert-profile-card__cta" lang="en" dir="ltr"> <a class="arrow-link" href="/about/leadership/michael-wiegand"> <span>View profile</span> </a> </div> </div> </section> <section class="expert-profile-card " lang="en" dir="ltr"> <figure class="expert-profile-card__media"> <a href="/about/leadership/jason-lamb" title="Jason Lamb"> <img srcset="/-/media/gfo/3about/3people/ga11920599_jason_lamb_20190606_0001.jpg?rev=36433235973f41b8b542dfd9cfc77977&w=375&hash=53FBB3498E608870F0D9023DDB15EC03 1x, /-/media/gfo/3about/3people/ga11920599_jason_lamb_20190606_0001.jpg?rev=36433235973f41b8b542dfd9cfc77977&w=750&hash=FBA2C51267DAFCCD186E4352C9C94E49 2x" alt="Jason Lamb" /> </a> </figure> <div class="expert-profile-card__expert-details"> <div class="expert-profile-card__name"> Jason Lamb </div> <div class="expert-profile-card__occupation"> Deputy Director, Focus Country Implementation </div> <div class="expert-profile-card__description"> Jason Lamb manages IFS focus country implementation in Bangladesh, Pakistan, Indonesia, Nigeria, Tanzania, Kenya and Uganda. </div> <div class="expert-profile-card__cta" lang="en" dir="ltr"> <a class="arrow-link" href="/about/leadership/jason-lamb"> <span>View profile</span> </a> </div> </div> </section> <section class="expert-profile-card " lang="en" dir="ltr"> <figure class="expert-profile-card__media"> <a href="/about/leadership/rebecca-mann" title="Rebecca Mann"> <img srcset="/-/media/gfo/3about/3people/ga169192_rebecca_mann_20151016_0001.jpg?rev=b666fe064c9b4c2bbdf05ee5392327be&w=2340&hash=1221E3DD25D7FBD02AA90F04C780C27E 1x, /-/media/gfo/3about/3people/ga169192_rebecca_mann_20151016_0001.jpg?rev=b666fe064c9b4c2bbdf05ee5392327be&w=4680&hash=7F193A8A71C70C56BD21A93EB704885E 2x" alt="Rebecca Mann" /> </a> </figure> <div class="expert-profile-card__expert-details"> <div class="expert-profile-card__name"> Rebecca Mann </div> <div class="expert-profile-card__occupation"> Deputy Director, Strategy, Planning & Management </div> <div class="expert-profile-card__description"> Rebecca Mann leads on strategy, financial planning, and operations. </div> <div class="expert-profile-card__cta" lang="en" dir="ltr"> <a class="arrow-link" href="/about/leadership/rebecca-mann"> <span>View profile</span> </a> </div> </div> </section> <section class="expert-profile-card " lang="en" dir="ltr"> <figure class="expert-profile-card__media"> <a href="/about/leadership/hillary-miller-wise" title="Hillary Miller-Wise"> <img srcset="/-/media/gfo/3about/3people/ga16275867_hillary_millerwise_20211208_0001.jpg?rev=7038cbec59d248f48bcf2c647ed1f27f&w=1500&hash=BF54F3569DEED83D25D6D1433E6AB5AC 1x, /-/media/gfo/3about/3people/ga16275867_hillary_millerwise_20211208_0001.jpg?rev=7038cbec59d248f48bcf2c647ed1f27f&w=3000&hash=C7B476CABC4723411A394DFD3FB7EB63 2x" alt="Hillary Miller-Wise" /> </a> </figure> <div class="expert-profile-card__expert-details"> <div class="expert-profile-card__name"> Hillary Miller-Wise </div> <div class="expert-profile-card__occupation"> Deputy Director, Digital Financial Services </div> <div class="expert-profile-card__description"> Hillary Miller-Wise leads a team that focuses on the development, distribution, and use of financial services for the unbanked. </div> <div class="expert-profile-card__cta" lang="en" dir="ltr"> <a class="arrow-link" href="/about/leadership/hillary-miller-wise"> <span>View profile</span> </a> </div> </div> </section> <section class="expert-profile-card " lang="en" dir="ltr"> <figure class="expert-profile-card__media"> <a href="/about/leadership/konstantin-peric" title="Konstantin Peric"> <img srcset="/-/media/gfo/3about/3people/ga168403_konstantin_peric_20131209_0003.jpg?rev=7004dfdecf20431c8508f86471bf7afd&w=1500&hash=5F28A65D73BD5A078A4BBE5C5A092D9F 1x, /-/media/gfo/3about/3people/ga168403_konstantin_peric_20131209_0003.jpg?rev=7004dfdecf20431c8508f86471bf7afd&w=3000&hash=DFCB350C36B75932C8A73F3CFF0A0E82 2x" alt="Konstantin Peric" /> </a> </figure> <div class="expert-profile-card__expert-details"> <div class="expert-profile-card__name"> Konstantin Peric </div> <div class="expert-profile-card__occupation"> Deputy Director, Payment Systems </div> <div class="expert-profile-card__description"> Konstantin (Kosta) Peric oversees the foundation’s efforts to support governments, central banks, and private-sector stakeholders in developing and deploying inclusive digital payment and identity platforms. </div> <div class="expert-profile-card__cta" lang="en" dir="ltr"> <a class="arrow-link" href="/about/leadership/konstantin-peric"> <span>View profile</span> </a> </div> </div> </section> <section class="expert-profile-card " lang="en" dir="ltr"> <figure class="expert-profile-card__media"> <a href="/about/leadership/daniel-radcliffe" title="Daniel Radcliffe"> <img srcset="/-/media/gfo/3about/3people/ga167375_daniel_radcliffe_20100511_0575.jpg?rev=a8d001aa847c428b9b9450797f88d58f&w=1500&hash=192BF5BF59F4CD0C37D3058147CE17D5 1x, /-/media/gfo/3about/3people/ga167375_daniel_radcliffe_20100511_0575.jpg?rev=a8d001aa847c428b9b9450797f88d58f&w=3000&hash=19834164D66C0783B170D739CB753269 2x" alt="Daniel Radcliffe" /> </a> </figure> <div class="expert-profile-card__expert-details"> <div class="expert-profile-card__name"> Daniel Radcliffe </div> <div class="expert-profile-card__occupation"> Deputy Director, Regulation, Research & Advocacy </div> <div class="expert-profile-card__description"> Dan Radcliffe manages IFS’s Regulation, Policy, & Research portfolios. </div> <div class="expert-profile-card__cta" lang="en" dir="ltr"> <a class="arrow-link" href="/about/leadership/daniel-radcliffe"> <span>View profile</span> </a> </div> </div> </section> </div> </div> </section> </section> <section class="component container container--bleed container--dark container--background" id="Container-7a96e82c-d7b7-4a80-ac2c-abb6fda49b35" style="--background-color:#313A44 "> <section class="component container container--100 "> <div class="container__col container__col--100"> <section class="component js-email-signup email-signup email-signup--background email-signup--dark" style="background-color:#313a44;color:#fff;" 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class="section-headline__title">Our partners</h2> <div class="section-headline__subtitle"> We do our work in collaboration with grantees and other partners, who join with us in taking risks, pushing for new solutions, and harnessing the transformative power of science and technology </div> </section> <section class="component grouped-cta-cards " > <div class="grouped-cta-cards__items"> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">Abdul Latif Jameel Poverty Action Lab (JPAL)</div> <ul class="cta-card__links" aria-label="Abdul Latif Jameel Poverty Action Lab (JPAL)"> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="https://www.povertyactionlab.org/" data-gtm-text="View partner website" data-gtm-link="https://www.povertyactionlab.org/"> <span>View partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">Alliance for Financial Inclusion (AFI)</div> <ul class="cta-card__links" aria-label="Alliance for Financial Inclusion (AFI)"> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="http://www.afi-global.org/" data-gtm-text="View partner website" data-gtm-link="http://www.afi-global.org/"> <span>View partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">Better Than Cash Alliance</div> <ul 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noreferrer" href="https://www.cgdev.org/" data-gtm-text="View partner website" data-gtm-link="https://www.cgdev.org/"> <span>View partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">Consultative Group to Assist the Poor (CGAP)</div> <ul class="cta-card__links" aria-label="Consultative Group to Assist the Poor (CGAP)"> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="http://www.cgap.org/" data-gtm-text="View partner website" data-gtm-link="http://www.cgap.org/"> <span>View partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">Enhancing Financial Innovation and Access (EFInA)</div> <ul class="cta-card__links" aria-label="Enhancing Financial Innovation and Access (EFInA)"> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="http://efina.org.ng/ " data-gtm-text="View partner website" data-gtm-link="http://efina.org.ng/ "> <span>View partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> </div> </section> <section class="component grouped-cta-cards " > <div class="grouped-cta-cards__items"> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">Evidence for Policy Design (EPoD)</div> <ul class="cta-card__links" aria-label="Evidence for Policy Design (EPoD)"> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="https://epod.cid.harvard.edu/" data-gtm-text="View partner website" data-gtm-link="https://epod.cid.harvard.edu/"> <span>View partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">Financial Sector Deepening Kenya, Tanzania, Uganda</div> <ul class="cta-card__links" aria-label="Financial Sector Deepening Kenya, Tanzania, Uganda"> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="http://www.fsdkenya.org/" data-gtm-text="View Kenya partner website" data-gtm-link="http://www.fsdkenya.org/"> <span>View Kenya partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="http://www.fsdt.or.tz/home" data-gtm-text="View Tanzania partner website" data-gtm-link="http://www.fsdt.or.tz/home"> <span>View Tanzania partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="http://www.uncdf.org/uganda" data-gtm-text="View Uganda partner website" data-gtm-link="http://www.uncdf.org/uganda"> <span>View Uganda partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">Identification for Development (ID4D)</div> <ul class="cta-card__links" aria-label="Identification for Development (ID4D)"> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="http://id4d.worldbank.org/" data-gtm-text="View partner website" data-gtm-link="http://id4d.worldbank.org/"> <span>View partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> </div> </section> <section class="component grouped-cta-cards " > <div class="grouped-cta-cards__items"> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">Innovation for Poverty Action (IPA)</div> <ul class="cta-card__links" aria-label="Innovation for Poverty Action (IPA)"> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="https://www.poverty-action.org/" data-gtm-text="View partner website" data-gtm-link="https://www.poverty-action.org/"> <span>View partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">Karandaaz Pakistan</div> <ul class="cta-card__links" aria-label="Karandaaz Pakistan"> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="https://karandaaz.com.pk/" data-gtm-text="View partner website" data-gtm-link="https://karandaaz.com.pk/"> <span>View partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">MicroSave Consulting</div> <ul class="cta-card__links" aria-label="MicroSave Consulting"> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="http://www.microsave.net/" data-gtm-text="View partner website" data-gtm-link="http://www.microsave.net/"> <span>View partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> </div> </section> <section class="component grouped-cta-cards " > <div class="grouped-cta-cards__items"> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">United Nations Secretary-General's Special Advocate for Inclusive Finance for Development (UNSGSA)</div> <ul class="cta-card__links" aria-label="United Nations Secretary-General's Special Advocate for Inclusive Finance for Development (UNSGSA)"> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="http://www.unsgsa.org/" data-gtm-text="View partner website" data-gtm-link="http://www.unsgsa.org/"> <span>View partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title">World Bank Financial Inclusion Practice</div> <ul class="cta-card__links" aria-label="World Bank Financial Inclusion Practice"> <li class="cta-card__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="http://web.worldbank.org/" data-gtm-text="View partner website" data-gtm-link="http://web.worldbank.org/"> <span>View partner website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </li> </ul> </div> <div class="cta-card component " lang="en" dir="ltr"> <div class="cta-card__title"></div> </div> </div> </section> </div> </section> </section> <section class="component container container--bleed " id="Container-3e6ce351-7e8a-4479-99d0-deca11c253fb" style=" "> <a class="component jump-nav-anchor js-jump-nav-anchor" id="program_resources">Program resources</a> <section class="section-headline component component--headline container " lang="en" dir="ltr"> <h2 class="section-headline__title">Program resources</h2> </section> <section class="component container container--100 "> <div class="container__col container__col--100"> <section class="simple-content-listing component "> <ul class="simple-content-listing__items js-slide-container"> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" target="_blank" rel="noopener noreferrer" href="https://www.mckinsey.com/featured-insights/employment-and-growth/how-digital-finance-could-boost-growth-in-emerging-economies#" data-gtm-text="Digital Finance for All (McKinsey Global Institute report)" data-gtm-link="https://www.mckinsey.com/featured-insights/employment-and-growth/how-digital-finance-could-boost-growth-in-emerging-economies#"> Digital Finance for All (McKinsey Global Institute report) </a> </div> <div class="simple-content-listing__description">Delivering financial services by mobile phone could benefit billions of people by spurring inclusive growth that adds US$3.7 trillion to the GDP of emerging economies within a decade. </div> </div> <div class="simple-content-listing__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="https://www.mckinsey.com/featured-insights/employment-and-growth/how-digital-finance-could-boost-growth-in-emerging-economies#" data-gtm-text="Read more" data-gtm-link="https://www.mckinsey.com/featured-insights/employment-and-growth/how-digital-finance-could-boost-growth-in-emerging-economies#"> <span>Read more</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </div> </div> </li> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" href="/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/digitization-for-improved-governance" data-gtm-text="Digitization for Improved Governance (research summary)" data-gtm-link="https://www.gatesfoundation.org/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/digitization-for-improved-governance"> Digitization for Improved Governance (research summary) </a> </div> <div class="simple-content-listing__description">How countries have leveraged the spread of digital technologies and infrastructure to improve governance, including social safety net services and government emergency response.</div> </div> <div class="simple-content-listing__link"> <a class="arrow-link" data-gtm-element="promo cta" href="/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/digitization-for-improved-governance" data-gtm-text="Learn more" data-gtm-link="https://www.gatesfoundation.org/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/digitization-for-improved-governance"> <span>Learn more</span> </a> </div> </div> </li> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" target="_blank" rel="noopener noreferrer" href="https://docs.gatesfoundation.org/Documents/Fighting%20Poverty%20Profitably%20Full%20Report.pdf" data-gtm-text="Fighting Poverty Profitably (Gates Foundation report)" data-gtm-link="https://docs.gatesfoundation.org/Documents/Fighting%20Poverty%20Profitably%20Full%20Report.pdf"> Fighting Poverty Profitably (Gates Foundation report) </a> </div> <div class="simple-content-listing__description">Transforming the economics of payments to build sustainable, inclusive financial systems.</div> </div> <div class="simple-content-listing__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="https://docs.gatesfoundation.org/Documents/Fighting%20Poverty%20Profitably%20Full%20Report.pdf" data-gtm-text="Read the report" data-gtm-link="https://docs.gatesfoundation.org/Documents/Fighting%20Poverty%20Profitably%20Full%20Report.pdf"> <span>Read the report</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </div> </div> </li> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" target="_blank" rel="noopener noreferrer" href="https://docs.gatesfoundation.org/Documents/WomensDigitalFinancialInclusioninAfrica_English.pdf" data-gtm-text="A G7 Partnership for Women’s Digital Financial Inclusion in Africa" data-gtm-link="https://docs.gatesfoundation.org/Documents/WomensDigitalFinancialInclusioninAfrica_English.pdf"> A G7 Partnership for Women’s Digital Financial Inclusion in Africa </a> </div> <div class="simple-content-listing__description">Five key ways in which G7 countries can support African countries as their leaders seek to include more than 400 million people in the digital economy for the first time. <br/><br/></div> </div> <div class="simple-content-listing__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="https://docs.gatesfoundation.org/Documents/WomensDigitalFinancialInclusioninAfrica_English.pdf" data-gtm-text="Read the report in English" data-gtm-link="https://docs.gatesfoundation.org/Documents/WomensDigitalFinancialInclusioninAfrica_English.pdf"> <span>Read the report in English</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </div> </div> </li> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" target="_blank" rel="noopener noreferrer" href="https://docs.gatesfoundation.org/Documents/WomensDigitalFinancialInclusioninAfrica_French.pdf" data-gtm-text="A G7 Partnership for Women's Digital Financial Inclusion in Africa (French)" data-gtm-link="https://docs.gatesfoundation.org/Documents/WomensDigitalFinancialInclusioninAfrica_French.pdf"> A G7 Partnership for Women's Digital Financial Inclusion in Africa (French) </a> </div> </div> <div class="simple-content-listing__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="https://docs.gatesfoundation.org/Documents/WomensDigitalFinancialInclusioninAfrica_French.pdf" data-gtm-text="Read the report in French" data-gtm-link="https://docs.gatesfoundation.org/Documents/WomensDigitalFinancialInclusioninAfrica_French.pdf"> <span>Read the report in French</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </div> </div> </li> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" target="_blank" rel="noopener noreferrer" href="https://www.gpfi.org/publications/g20-high-level-principles-digital-financial-inclusion" data-gtm-text="G20 High-Level Principles for Digital Financial Inclusion" data-gtm-link="https://www.gpfi.org/publications/g20-high-level-principles-digital-financial-inclusion"> G20 High-Level Principles for Digital Financial Inclusion </a> </div> </div> <div class="simple-content-listing__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="https://www.gpfi.org/publications/g20-high-level-principles-digital-financial-inclusion" data-gtm-text="Read more" data-gtm-link="https://www.gpfi.org/publications/g20-high-level-principles-digital-financial-inclusion"> <span>Read more</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </div> </div> </li> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" target="_blank" rel="noopener noreferrer" href="https://datacatalog.worldbank.org/dataset/global-financial-inclusion-global-findex-database" data-gtm-text="Global Findex" data-gtm-link="https://datacatalog.worldbank.org/dataset/global-financial-inclusion-global-findex-database"> Global Findex </a> </div> <div class="simple-content-listing__description">A World Bank database that provides 850+ country-level indicators of financial inclusion summarized for all adults and disaggregated by key demographic characteristics—gender, age, education, income, employment status, and rural residence. </div> </div> <div class="simple-content-listing__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="https://datacatalog.worldbank.org/dataset/global-financial-inclusion-global-findex-database" data-gtm-text="Visit website" data-gtm-link="https://datacatalog.worldbank.org/dataset/global-financial-inclusion-global-findex-database"> <span>Visit website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </div> </div> </li> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" href="/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/the-impacts-of-digital-financial-services-on-womens-economic-empowerment" data-gtm-text="The Impacts of Digital Financial Services on Women’s Economic Empowerment (research summary)" data-gtm-link="https://www.gatesfoundation.org/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/the-impacts-of-digital-financial-services-on-womens-economic-empowerment"> The Impacts of Digital Financial Services on Women’s Economic Empowerment (research summary) </a> </div> <div class="simple-content-listing__description">How access to digital financial services is helping to advance women’s economic empowerment.</div> </div> <div class="simple-content-listing__link"> <a class="arrow-link" data-gtm-element="promo cta" href="/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/the-impacts-of-digital-financial-services-on-womens-economic-empowerment" data-gtm-text="Learn more" data-gtm-link="https://www.gatesfoundation.org/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/the-impacts-of-digital-financial-services-on-womens-economic-empowerment"> <span>Learn more</span> </a> </div> </div> </li> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" href="/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/research-brief-the-impact-of-mobile-money-on-poverty" data-gtm-text="The Impact of Mobile Money on Poverty (Gates Foundation research brief)" data-gtm-link="https://www.gatesfoundation.org/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/research-brief-the-impact-of-mobile-money-on-poverty"> The Impact of Mobile Money on Poverty (Gates Foundation research brief) </a> </div> <div class="simple-content-listing__description">A collection of rigorous evidence from a range of studies about the impact of mobile money on individuals and households and on the user experience of payment transfers enabled by mobile phones. </div> </div> <div class="simple-content-listing__link"> <a class="arrow-link" data-gtm-element="promo cta" href="/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/research-brief-the-impact-of-mobile-money-on-poverty" data-gtm-text="Learn more" data-gtm-link="https://www.gatesfoundation.org/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/research-brief-the-impact-of-mobile-money-on-poverty"> <span>Learn more</span> </a> </div> </div> </li> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" href="/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/inclusive-digital-financial-services-guide" data-gtm-text="Inclusive Digital Financial Services (Gates Foundation guide)" data-gtm-link="https://www.gatesfoundation.org/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/inclusive-digital-financial-services-guide"> Inclusive Digital Financial Services (Gates Foundation guide) </a> </div> <div class="simple-content-listing__description">A reference guide created to assist regulators who are exploring policy options for enabling the development of inclusive digital financial services. </div> </div> <div class="simple-content-listing__link"> <a class="arrow-link" data-gtm-element="promo cta" href="/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/inclusive-digital-financial-services-guide" data-gtm-text="Learn more" data-gtm-link="https://www.gatesfoundation.org/our-work/programs/global-growth-and-opportunity/inclusive-financial-systems/inclusive-digital-financial-services-guide"> <span>Learn more</span> </a> </div> </div> </li> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" target="_blank" rel="noopener noreferrer" href="https://www.leveloneproject.org/" data-gtm-text="Level One Project" data-gtm-link="https://www.leveloneproject.org/"> Level One Project </a> </div> <div class="simple-content-listing__description">A Gates Foundation project focused on helping the public and private sectors develop pro-poor digital financial services and markets that work for all.</div> </div> <div class="simple-content-listing__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="https://www.leveloneproject.org/" data-gtm-text="Visit website" data-gtm-link="https://www.leveloneproject.org/"> <span>Visit website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </div> </div> </li> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" target="_blank" rel="noopener noreferrer" href="https://mojaloop.io/" data-gtm-text="Mojaloop" data-gtm-link="https://mojaloop.io/"> Mojaloop </a> </div> <div class="simple-content-listing__description">Open source software that serves as a reference model for creating interoperable digital payments platforms. </div> </div> <div class="simple-content-listing__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" href="https://mojaloop.io/" data-gtm-text="Visit website" data-gtm-link="https://mojaloop.io/"> <span>Visit website</span> <svg class="icon icon--external" aria-hidden="true" focusable="false"> <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="/Areas/GFO/assets/img/svg-sprite.svg?v=#external"> </use> </svg> </a> </div> </div> </li> <li class="simple-content-listing__item" lang="en" dir="ltr"> <div class="simple-content-listing__content-wrapper"> <div class="simple-content-listing__content"> <div class="simple-content-listing__title"> <a class="link" data-gtm-element="promo header" target="_blank" rel="noopener noreferrer" href="https://docs.gatesfoundation.org/documents/G20%20Report_Final.pdf" data-gtm-text="The Opportunities of Digitizing Payments (report for the G20 Australian Presidency)" data-gtm-link="https://docs.gatesfoundation.org/documents/G20%20Report_Final.pdf"> The Opportunities of Digitizing Payments (report for the G20 Australian Presidency) </a> </div> <div class="simple-content-listing__description">How digitization of payments, transfers, and remittances contributes to the G20 goals of broad-based economic growth, financial inclusion, and women’s economic empowerment. </div> </div> <div class="simple-content-listing__link"> <a class="arrow-link arrow-link--external" data-gtm-element="promo cta" target="_blank" rel="noopener noreferrer" 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