The Road to Inclusion: A Look at the Financially Excluded and Underserved

There has been a growing need to understand what financial inclusion means and gain insight into the way in which people are included financially across emerg- ing markets. Specifically, insights are needed on what the impact of being financially ‘excluded’ or ‘under-served’ is on people’s everyday lives. Those who are financially excluded have little access to many of the services that others may take for granted. While these target groups may have access to a basic bank ac- count, this still does not automatically provide access to electronic payments. The two broad research objectives of this study were to: -Generate a detailed understanding of the financially excluded and underserved target groups across different markets -Understand the entry points to financial inclusion, including the target group’s potential/propensity to adopt electronic payments/prepaid accounts