Countries that have achieved the most progress toward financial inclusion have:

♤ Policies delivered at scale: such as universal digital ID - India and Aadhaar / JDY accounts - more than 1.2 billion residents covered.

♤ Leveraged government payments: For example, 35% of adults in low income countries receiving a government payment opened their first financial account for this purpose.

♤ Allowed mobile financial services to thrive: For example, in Sub-Saharan Africa, mobile money account ownership rose from 12% to 21%.

♤ Welcomed new business models: such as leveraging e-commerce data for financial inclusion