Access to formal financial services is essential to the ability of individuals and households to manage their lives and build their futures. Positive correlation has also been found between increased financial inclusion and lower inequalities, showing that financial inclusion promotes pro-poor growth. As a means to broader development goals, financial inclusion is critical to the 2030 Agenda.

Access to finance cannot be the privilege of a few, but should be available to all and can be a means to reduce inequalities, particularly for the most vulnerable, including those living in rural areas, women and youth.

Access to financial services is also essential to the ability of businesses to invest, employ people, and grow and is therefore an essential element of an inclusive growth. It is also tied to the financing for development agenda, especially in relation to mobilization of domestic resources, given the direct links between domestic saving rates and long term economic growth.

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