Themes Financial Inclusion

Crowdfunding, mobile money — the possibilities for financial inclusion are growing. Some regions have made financial inclusion a top priority, while others are still struggling to provide financial services for their remote populations. This thought-provoking collection of reports and articles presents current research and innovative ideas on the subject. Find out more about McKinsey’s Financial Services practice

Sub-Saharan Africa: A major potential revenue opportunity for digital payments

Sub-Saharan Africa offers tantalizing potential for mobile financial services, but as yet there have been few success stories. One hurdle has been the lack of clear numbers on the size of the opportunity.


Africa at work: Job creation and inclusive growth

Africa, the second-fastest growing region in the world, has the potential to create tens of millions of wage-paying jobs over the next decade.

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Lending responsibly: New credit-risk models for the unbanked

Some banks, retailers, utilities, and telcos are using increased computing power and new sources of data to build better risk models—and reach the “unbanked.”


Global financial inclusion: Within reach

The four articles in this collection tackle the barriers to full financial inclusion, addressing correspondent banking, mobile services for the poor, and middle-management challenges.


Growth, financial inclusion, and a $22.4 billion savings

There is a strong case to be made for India’s government enabling reliable financial interactions with poor households. This report quantifies the benefits of the electronic-payment model.


Half the world is unbanked

Research reveals that more than half the world’s adults do not use formal or semiformal financial services to save or borrow money.


New vistas in financial services: Lessons from around the world

In India, there are many areas where innovation can encourage private-, public-, and social-sector participation—and help take financial inclusion to scale.

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