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White Paper

Financial Inclusion—From Obligation to Opportunity


Financial inclusion impacts nearly two billion people globally. With 135 million households, India is home to the second-largest financially-excluded population, after China.

Addressing the complex and deep-seated challenges of financial exclusion does not lend itself to simple solutions. Achieving sustainable financial inclusion will require a systemic effort, which leverages technology, regulatory framework and appropriate business models cohesively.

Information and Communications Technology (ICT) interventions, including mobile and wireless, will enable financial institutions to create disruptive business models to provide mainstream financial services to the poor. In developing countries, including India, IT coupled with the rapid increase in the telecommunication network and service quality has the potential of being the force-multiplier for scaling up financial inclusion.