목차
Title page 1
Contents 4
Acknowledgments 2
Executive summary 5
Introduction 6
Real progress in individual access to finance in 2025: Good news for people and economies 7
Payment 8
Savings 8
Credit 10
Insurance 10
A global majority of economically active adults face significant barriers to using financial services 11
Connectivity 13
Affordability of financial products with transparency around costs 13
Lack of trust 14
Lack of appropriate products 15
DPI and AI have the potential to overcome these barriers 16
Digital public infrastructure 16
Artificial intelligence 19
Three urgent action recommendations so three billion adults can drive growth 21
1. Bridge regulatory silos for DPI and AI governance to focus on inclusive growth 21
2. Update and enforce responsible regulations to protect new customers, with regional learning 21
3. Create national financial service providers codes of conduct to build consumer trust 22
Conclusion 23
About the author 23
Appendix: Roundtable participants (by meeting date) 24
Endnotes 25
Figures 8
Figure 1. Regional differences in financial account ownership, digital online merchant payments and mobile phone payments in-store... 8
Figure 2. National LMIE rates of saving with formal financial-sector institutions (age 15+ (2024)) 9
Figure 3. National LMIE rates of borrowing from formal financial-sector institutions (age 15+ (2024)) 9
Figure 4. Most worrying financial issue globally (% of adults, age 15+ (2024)) 12
Figure 5. Barriers to owning an account (% of adults without an account, age 15+, regional average (2024) 13
