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D\/zTqo\/7j09PJGwbapz9+enrdZgE\/1soiarLCUDxzO6As4antlUWRHVDbwoHuAfDeG1frpRPwJ2dsuJMTTZ6jVgEKEoxp52qV0tbPe+gDuXdh8cGgoChmpwWs3axyM6d2pkDvTp5TsYRWsHw72qtgef2sHH0v850DqkUUWRkbUgiosiUvZ8oWfA60o9ZfQ1cntzG8vCUdNyTjvFEyjlvERjgVt1XirmBAOQR\/nExEnPOikVs0Mp1daA1v7S8TKh8AQGbWUSu5VFveL5hZXmyuiKUL9xi8MHNH1jY3IW4jh\/HKUcCX5c6dMJ7oieJIBa3sXjGDZNSgtIzywcZBMt5JnSVdgGKjfMXGW7Ta3CFL2OTvbe6x8GRtc9\/UNjdwJ7W7IeJ0rMJMEHF6o7Y3RJzACATDr4w45WD6pcr0i1upMv1SZfqJVlqafhEHDtCGQFDdSe1tuaMm3OuH6GOeOJMwDjCq6WUCApt84sy7ifbntlmko+MHtcYykV5E6Gq7Hfaf8cg2WgfJY0x6rVKCT5w5dWtPtByxFMkRyygr5Qw8DWg34tk6qAzFgCX9UDlQAzAUg1cdp\/1TEbvag4ShGs1Dj5XSGn3QGocsdyKWOylzXp9QNue\/Wm0WsNx5YLkjIYSllME5+wUrtA6Y13TAvahfcL8Yll3zuVVMgH0qHgqT\/woXCTajfkFjM5+RHonFiLi1YoVkMkvA0xTGk2NCu8sXqTOPyFvqbsUrM\/JlWDf+Dk2mwz61rqmO4lTzbnUKU7UB1k\/uNZrzZo2mws\/8er1ZVdAc1C2btWw\/iePazPxqaosOxtHUBBbH+kHpC6iJf9Zq+GfQx5TpvI13uxnrv+fHx51j4hKicf4C\/epxbgBXwlawwOvWyT72N7P\/tMod1ICmXqTgnCslixa0MExSEY5ilQQEPlEYuGUpRLT8Sq3KnQf7xFj2mmL1+s2aHZ4G4fxgMY3ijJOxlDP36Ojx8dF5fO0k6eio8\/PPPx8txnIakQP0f3Lt\/nxUiDiDnCuv8vRiTlUQzs+IwYkhb2b59zjxoydFOvSiqMaOv2+G\/d8cl2H\/120j7H+CYf+TvxH2\/3VPjJ9FWL0rmM9UIL9bZEZ+z72tcG7SwMxzZBwYzs3Khw5lQx6ph2WHMr98aO\/0d8OAhiaQVBHdiaLKYcUJstbEYAR+a6g3f\/KXQ7j4hrfALGLSy1on7qRwaqiqpcq66fmt\/3KHEADf2Bj1DrbiCcmuiPAziRI\/0n0R42czKJoiyqipBKE3KnCzxcKgkihmlZcwUc2ionIgqnlYbmZUaLgLGGjhWIj2N1ornVvRlzTDl6Gp+UK0MhzsDlbNahGhrEXsuSlR5qWNXNd\/54bBlcTwnMS1AK2\/wHnOMXLmL3E+c4ibsdSd60hWxTIg2S74eywj8z0pRVpjGN+kmdtoeZhGCYzj5xMmymdMGmIp\/xgP4ZDEkuW8Vf6OcPdGvN2NquzECDBbpFGHsZUy2Y8GtJtXyk2uijD5jHOe0lXOU1sl7AaomDQkYbc6lB2zuPWGspD\/aqUsZ6L1mr2mlVLYBEmhfQUQsAktHHigpOCknKWfp5WSXw3oelDTVXpfUmYMZGWXJmxiYNa0VcFzAbOZl062QmYxhsyEDovpcJ+rCOelKbNxEgsVItxKLcg2sxQyj2BSQlYkJdiNr22mJGSRei3RbzRsnGwjzJsFRBF9YE0Kkoc12XSGqf1c4JZNILsDNsWx82Zt5rplsp5ybcUlFXfaYHg0ddxhkj67MiFqkhsLI2xycEL+H63LloiSqaecDGDFtTf90idglHYUpp9Te8MHQ9R5pf\/O7PfBEq9Sutm5gdqrmj4RiEh6GmeHp9nMi+uqz2QWtubkQEHAyaT4LWOu8INKkfbXKY0IOjkj4KbJ41D2dvWaF69CK\/NNSFewLW\/ni4EGIQhTlQbvOUGYPj2RYeRJAinxqn6UJAE0sDwHfxbhZL2MblkM8yjYN4k97ELpespg34INrGJPikYIZ2EUaQCwkQJRv4E9n4YHBp0VaDz9\/Sg8M5qCfxGzTjdGrxbysraQfhLl01hZ6lmSSi054LSCHAsvODuV6RlkwefIUVPe7qaVrZcWUjPCMwks4BH2UiGNuIcKbCwGtMa9WKW4RiAOe3G\/Mzhr94iX+SIOIELukkAYD7hD9B88uKAdf5FOh5la+hd1mxCbpWpRIieDxb4VkSfDuTjIwj9FDUtdYfPDUzk+yPxkJjh6TNWC+EmklgMhRhhsK3LifNo7VC3ifKoX5BCXOsDTE9YGMkL38PQhlxLOTy1hCPWgRwFYNY6Mkc4O7RCBVG3PNMhyfEbWcK4DfqdnWKJW6yEJlmfEWCzlaN1asUR7YOEoCXYkU2JbCa7J4YGhtyiAkgKggyLfgpM2OYCkDY6RML3KIhK+FAHXu+UQukziniYCP09TEUsTV2prJM6wHLUYcIiYLuqxk8IJWEM2wFbUTUpoq5eJRkfO2928ot3cdBHlAwYSHfyDWX8Ccx2wIc\/0gZqeztaAAD9JlEHZy9yVdLM1\/E+IMol8bg2d7LF3eBpuEOFjQUoKPmiFyNy5o9XMhk7qxZPylE8j54AWisRV622+M3EevLSXSWsIP8w0BixgQ8en7tABFvQXeJN64SWsaejUmSGW1Jyo0AKnm009OAR8in\/PiEIV\/NYdqGKYlibagMD89mxFPXtdC\/Ov1Q6dbG7gV89yXi7T3CDCoeM3NPar1r7ZHDiArzZrUNus1W+9VwsxKkFdqKMeiyoGgY+FaABdXjMjqXmh3mb4UDTTxpwJllBgQWfmsa5bQzIcngZRHZQAPBl7jyApnQvOCHXhgBF4Tc5OA4nLKNTJCfB8yLPTAJYNXAkGq0lyzfug3MA6uCLKhanID4rrs4KyTjFIcFY4WcqjSqoiMmf8Sds8uxWZHXL5JWTvmURfjXlRx3I4rw+Ih49TUbBWTQDby+qphbXJgTfywjiTcMTOeaiW+wz7rhj0mZodTmWsgdXVSgkAASLSQr2CJ6VIHBaTaOqgEpAe2dyAjb2fhjVOCBPx97NCc7ovhubhb0Lz8CJoHl4OzTMAqP6CcDi8UsnQ5G04HIpUxH5NPSmoeWsDmsLd3IVKuKuteNhMCmWBCYzaqE3z2p6JKPfGhBPfO7TjUouuK\/pqY\/6dTh\/2dXr8lzo9BF7ypuQlQcFH3jTwkdeDBtxvcBIsKrf1u0b3CXpjDPeJTEajSLCUH57mG\/w1EiNw552hinx4GoVN1S2p5h4r8KJQC8PyBCzqOHJLx4m4BB0n4IfPMK1Clwbl1U9yzB8t5V0Df8Q2pM7EsczdVGOnRY+bCorW5w9rOzFS+xAV7WzszURP\/4V81uw7KSUClBWv4EOxmNh1CnIIsGRbYHc1at91S1EsCajclVxSS6aJpTIT5xuKusIq2PiZUPZj5CTxlvWo8K1REtQ0+0bzpYDHipzh5F\/NurmuqlNxYGC5IpaChFMsyUEYYoqU5CuUNO6lZEHk3koGgs\/9JJmWR+6FZIoE3XeSicx3p2wIl5G475m+L8MVkg2n0v2TRWHs\/sqiZJS5UjLwgbueZOhCdn9hceiLa2\/hppKJyH1k2Xzk\/oOBf8n9J4Pgy2f4mUsGcUb3X9CbcM+hnzRzr+HguCfdO8nKuId7I5n2aLrfJUMnmvtNMvDZuJlkk1l4kQRL9wqbReJ9mkzdfyuV\/b95nywII0vCCHpCCCPKCUIY8aHGhypwpyw68N8xNIZfS\/gFMYTyhAdRAZSh5Eet3u\/Bq9+d3u+BbfVc0W\/ZA\/hNe0ejsFvyDF9uHxmlzhTvfRnK6pKInudMvZk+B0rd\/qBiO5\/NA6ydVnWdQ6t+ScrHGntqdzeu4qkuzBlKVuZVl+f7vX5s20WM3hLFiVaH0H5noA65lhfuCOfVUcigqDA5a0MZNyakr7ZunwB\/XM5eU6qvnWiuM93Wb186MVyT\/u8BG6iFeXU02jlTtmuWekqKpb4Hp3O5SqK83gNO+p62e1E1NINLiAh1IxPyZM\/qNwC7RQ4l8HFJAPoIcLw1Ml3XyWZcOkrh3oCSgvT9Rug1ZSlfrVkO\/0UsKLOtRkLeJom8SQLRqz1Z+rhCwsNe6MBtRnPxLhJTEUtVMUFbGgNn6oS5A8fxQHe1EkpXE55Ad+dSpuFDDoektP+SPj011mjuSNWp0AyjiCJd3qELIknPo8gifdXHQItIFRDIagEBlUGR9aPBjuGZz1dr4wqD\/65dYaBiRtuv\/zdcaoDndctbOfw+FA74fL1O+8MBV4cG4M2xl20OLGNC6SqHdtgEXIqXSSxFLNdruEomFumH++sr7mFyS3FQYAMJ1mG\/8otM7EMyOKRPTzsaVTJFt4Sel7hWSwf92XQFd13pB2s1S8VcxPLOT5MockGylddWfaSrtTp\/KZxUBLkvajS24MIJzCDLm+O2i0V4g82i1vgaro759PL1\/bS1vlf8Uz8asM\/8atcaz3ja\/4x5QjO62rfWYw6LyEabXY0pu+Oz\/hj7GJk3sdzVb2mBx1FxKtaHI5bsAv6OEN2XekDO+UVx29DKKKeraxVTWonIvWKedMfs3L1kF0zOIne0pt0rJ6vBxe4oXvWC0bX+54EBjUohvzJpi93wRGI7ys7h53cE66YC69wE68Z80L1\/34ARekfiYOfuDbtwzxHU7wiqMTKH1xHQIglLOCKWIjUOD9SnplYP26AYBsUKp\/nDdQmWQUa3kOtYRjuBQqHpLV3d8o9KC+JGTMj62LqlRwvK3vLP0rqvVOwPvN39cFqM0P1QEMY7ft3\/MGBfi+AjlH3h7e6X03dOedr0C7T+qrDzzjnvfxnY1jvnov9l0FKP9NVbjIO+UzGE1TtHRDUs3cMtS+8cQOFbaeEP9lUnpGHjGoreOZ5kxisfq1cUqu5P8eq177nI5HkcTiEqFb9PvamwVBrwjpoSkR82Qm6w5pKJ6YMI4G4f3PpuzNB54q7WLBOREgfjRMsFPLUHVX42VyWzeKR+ZPPRp1w3G0MqhUih5bo8tlbnY8TRXrNwBg5C0L9LIQmJrCsL7gBS3fSzAa89QfYJVSszpOuucMQ0lBvvKyfv1mvles95uzs\/9Us1AVYbOKbfnw+gV8Ubl8AboRgM\/2wGZe+Aj1qxeDy4zDOZTNUziRfucNIidsZWgZBeGLlD9pA\/PEQiUzsKVO8kE4FmvrURusL5bsBvXHNSx1qGs\/3uvaAt8FzVPBN13DCfroQKQQFmh90il2Lr\/UrYQB\/k0M60sCmQuOTt7vJ0XiBxiRusvxxsbH7T3iJMK1DYroHFzwmlnBdq1pCWcTtlllEtlPaDG4WBSJsgvubt7vXpooD4GiGW1qJ\/PWBDWl5asafvx7GI\/4\/u2q31fcXb3atKpF1B35\/6VwNHG\/D4u1k7gk4J\/YHzDJOkh8gacZ2AtC3ij714BAF68CS7GcNgrDtcU6Sdkdik\/lLRLZe5FN9DtyqFl8EPsEkeL6AI7QN+MUWYjHEIcspvJJXKfUuYr\/XFly+2YUHAeP84YugVLRSkotSRIoMDnEp92EUWQBNNhIy4V+ljQ5DXXVCbYgBhBxqNiFR1sniXWgd5CwZi3Qy1rHkpHsfSmrMhW5XsOshT1\/KVzyrIU4ZCtizBpzXtTizaHUlrTouMQLAVitxs\/oO+E\/YjtM4ETuLTA6ZApCxRxoBwELQ6neXIQdbqMla6Aq7Y1IdVfwt0aSdLpqIqLyd4MHfCrOojHq0pXD4GPKA7BCYM6bTClxbV5oli9Em3BDMVw1RkY8vHW37UHWhrtkqTRF576SiMXfK63Z4tDtqzBVlTJ1FAwmWe5ct8C2CYXsL7SS\/ptwe9rNcfgE3ke9KCApYpk0r9l7FhcT+hzuLOek1U0M8Gbubqu+\/g6kgrp3sFlNpheR+E1IAt+PNkBC2rDfDDsn6xCmjv5bPaB4bRv3D8CM6l\/wrOFvX+tdG+IHtrwZbWNVtQ3A7d6obhWwGR+4IGFHXUyyzjZuLCMjTGhL7KfOKsFVG4GEbjNeK4MwK68r3YF9GG3hNg8n2jSmSMCZZDRTCou6xgP7X1LkKRswYnRo1MSo1qYsC9y+JRptqA0NrRpWzrHI\/PMzgas8d6ZnPuF54Ol9B+W7l5lhxkfNTzOVe\/nCCcohhRT2Gg5tEtrLlxInXjcSKNxvBUa3yttPkuKvhZcW2UOYzaGku6usYdqkyXJV3hVBo4exJX6j\/qwdgwFdNkLhraon692N3dGHPUXtgfNMYOr3d3GITTl3cIjbHDhoWDYAahmPybPJLGAWtZGIQttxSddYV32QQs6mURYc2LruGXO4DXL8ORZsebzaLltZdOMj5BhRFg2iHNFK2VQ3LOs+ImjHJkU31T5KSJClvwYXGDODLLufqzCsKpm7EwcMtX1yi1ChVIQUVY1dAEJQy0GZLkqS9cyOrNQ0ia7QJdz3cK5zosjUCoPWapfbNjzxBca2vem5d1c12uPTOabeEbfF6bGcJnTgy62TchGc62pgP7sLyAvFAf00L1RPFpSKTi1gpfhb3wRDk5zWSaxCOMqxUVKjShy9UNchCt1C9AiH5D9fNrYc6lccJIhTmXg+5cZxwQ21oYiQU6nLSo5RQQnZagW+4LiWF7eL+evoDTWTSmG8xVcgcmGuDU4kQWuJhpNGARvjmDmIzhzZt3S\/SaLLMmwdgnnjrJcJgJ\/XxVPn\/A0EVXHUTK7M4b+9PZdeukl7U+tTpvXChhMz60O2\/Q1WVfnRU9qzdbJ3Q148PWVatzvE6dTC4j4ZQBDl67wsoQ6mVa7Qn7TKlNZgu2q36m6inRNHfebGOja\/kCXg7j0SVCeKsUNHzLyjTYX1ugzAwlKwp+a\/lwdpgNC6J+n6R\/bQQ259kzo89xTD20PXcwcnR0zOYwtALAnjsqjnR0rGEZh4G4NzcZ7q90Y0Oh6l\/xTquKL1Qawlw2fb1gQ1hUZsU0BF8yEy9o6S2IvqEy5eIs7jXnS5c3klK81x1ud6fUbUPUJH0Fd\/+XXyo4pjb5D9KVO02eGC7R0HzRo7S8ZWiP4iPH+fQBVJ9gf7thGEUDIzauTn1EtRMfERyYqcGGJdIb3XhTgR9zeBTppZcJC+WuzmnvQWjQhcBhrk6UqIxKuBQvqF2IF\/STTQkNEcRcG6G\/yMKQ+1V4k2u8dqn6ckEPdFtdgXy7cl+Oakm820jAYG6\/ljZmokIlj3gNeSNePx6wlAvHj5IMDFrtUyNwWbzYoUiqJKVi8dJe6nz7NpzcJaly3eFt8EjsUT8f0FUs4VaBfo73J+JfNKfUaY\/ibf1HexXIMIxAdyZ2PqhsItTV6971oPK8wygB+r5LtMUbzkrpyIskCEUGai+It3qUIuXnaeotjRvE8ciHvjhcySy8oKBhAcb9IhkJSDXirQ4LjCBSXr8HG5znQaOeDmnIQHoeHFjGRpDM8hFCjV18bNL\/klQSFu9Jq9Z63P4OdM41qozRafkpDpALSSorkydkSZFJG+oU2sjMp410XJxPepOmKWZzTANmYNFmexpon6JmPkM4o6x\/+8WtumF2491Yc9orVS0nws+xXKo0BkuX+5S6qu2S9lodd95aFnx28SrWN9OolUprK4W8WcTB5TiMAiuFIJ9BX2GNMZvU1TMfkHJcvIituqZMZWvHW4naOV7eb8X9tNmOg\/goKjUHRG9A\/MwInAftgUBx8yowXdy\/R8+AAUCPWvL8UGxSYfNOsRVlAxPQIeA9TEDZz4ohBs86+xATmHBT8\/hNeLs7qU6ATvDkVn9S9\/gVFgI1t\/hDjTOOdhg4eJEeIo7FELCBve9V93EX3\/kpDOP\/NXinWifRsE4CEKrfeMJN3x8U38rI+28GtdvAu1uSKdg6i5jwAOVTaZ2jd6oKxR3TVaRPmOmNAG6j8ibwBPgq0Gesw3GY2uXm6MJyczgbCek2bt4\/xivHM8KGbt5\/jQ+kp7iq3ia6S6iltAd\/XLOIzWSG2Q0lBssF+bKxJ2ZSeR\/jjRjdwY13gyfhT3ms7tat1gOeO4N19bWFTldUW0VoFopvqk8sqPwCPMldfv7nVFf24r5QXzlwY\/UJBs3sLa+lq9oDemTp5lUZfrymBEn3YVu6k1ZZBF\/dKRHRj41bhDtGCsZs60sz\/4YjR40Eu8hAgcv3tFhCi27dXtPcoNmdN+X6HlHtxYuAlrasen2ojXY34opG0hOrGQUPVgrfzVK321LNSHYBrY6lKqaCwPSDgT4S\/iDh00ETiPxnO99fDElxA0bUixqksFbXIPel3GzqrrBh7ZqwYd8fOCAfYkxl0XhQPB7qKiVPOVCTBgfqF3Dazgcs3viK2JIa7s2J3q7QUmVasj+tJcPHIVV\/\/QGtNKa8sHSDxM8hl8bxU+HJIrPm5s5quJHguN1uH+ExxhID3cXGAmJuW7upYlkq5NWhaziku3HZdq5OVy8p\/tvqBkLyr53jhgH0QUQ9WSAtU6QuimveryGPyIrZhLordBu4f1oxy3o1fpRR2svc8sHVmiBDsTJBv7EARxcYbXiHAd5ncE3XsoiBqbt0V0iKbsAWbmzmaL2vMa8XbqWYruKNOet9xMoNtZaFPWjRbjMwz+2ahbroyID2fwrtFoLLOpXrAM4GgDM7GR5cRMlDL3bBrICfFuj6K9BrXW9dWH3NdGYRDy2AL7dXukIFGL7cXlmCgs8iFUOed1MHrgmJEi+AD1Y5KZxXiJNkJmKRkm7hUICod+QtuVIwu+WQcB6mrl9B134U+uDZyoS8D6ciyaXpbQeIUjFPJgZEOS5DauxoMLJ37O+UrtfsTbtdsna0wlUcvfpWmnLaG98zrH84pJaPVykS24l6alX0\/oqNLyDGxhcQ4wKWoz5hv8cDHVsUtAcZ0aL+ccNDQg6Va0usqb4ZmBFa\/v49BuXw99jIVZ8YOlJ\/oL7ZAz\/AlJEfhBf09F\/lXWsrmyMruKiyHvOa9Zgqxpb345qO5sg0nFqUrj1Vn1YW\/jO6sTFStGWnBkWSjfruUgSjIog1lUCfEy0r+\/jtN4QjbDS1wM54egr3TSCgDZ8+iupHaqMkFpgRicfn8Wjttmh6RcAj4zXX6L2IZi\/cpAO+0okof7SKTGX9CDf9e2CpEkaSmeeHEn7Bu63qUbc16pNYtobeNIzKJzwUq38\/FlnQkYDMaribwAfTkZGZF8aylaRwZmSwcfQgbjh6MBISzK9ciuAO9r8VgxsAr4DZUIHTmgoc2Dzth+oTAhEsWPHlrl\/Ac2RBHbVJF92sUclUuGYr+D7RpS4UdckaPvG1wZqRJRHwFBTHYvUpfwduaPrFg8TVrRk0mEZPT5JuA0laeIrMm8EnH8EA6Hqb\/iC4Vwgkw24xTrde0gSg+UiiHJCvjul2yyKZvWyqCrCtijL+Tc0CLx2AKy4aISOddvs\/GqrL3Pod9Xo1kHhdPNupNiDcczQOpSA4xTDORCovBNzxZGXMc4Zhmknk55WGLh4Pvl5f3Yk09KLwT5FaFD9vgg\/3SelzrLbxYksjx9SDqTcS3dRJlFjbCC7nOwWm78VzLyO0m6vV4V4318jncTd3kKZiYDUWOQ4IdYLUe8TBrJS1WRslOXyEM0FZbX6\/U1gRhI8RKJGmpoMbKtH\/BbVZ6nNkbW4I\/cLC2Ytp1AUNApKvcjmErxTYIvaTQHy5\/QhEnsQAfu0jpPWjTRKyDBtVE6TwYTjKU1H7XO\/\/8Vp\/tls\/twZHo5CRlv4OFvpTgeWWzjg\/m\/fwf51LXrjkimw\/EW0m\/O3wcwqe9ibSSlU3a6UF\/o8V2wR6J+pSpSP8OQW5WjD18huvM\/CRKSNyFo9Ag5yBN8n4pidc\/lb0OUO2qHCMv0O6XlMzNJY3Qq\/TFVGhO1AbvVL5I55vcqLuQloRfnw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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-nwegiqwy.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-nwegiqwy.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-nwegiqwy.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-nwegiqwy.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-nwegiqwy.nxe :where(ul,ol){padding-left:20px}#nxe-nwegiqwy.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-nwegiqwy.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-nwegiqwy.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-nwegiqwy.nxe svg{display:none}#nxe-nwegiqwy.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-nwegiqwy.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-nwegiqwy.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"dag\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A04 \u00b7 TOPIC \u00b7 financial-inclusion<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Fintech Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Fintech Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Financial inclusion<\/h1><p class=\"nx-tagline\">Financial inclusion means that individuals and small firms can use useful, affordable and safe financial services: transaction accounts, savings, credit, insurance and payments. Mobile money, agent networks, instant payment systems and digital lending have widened access, while digital channels have also brought new fraud, over-indebtedness and exclusion for people without phones, documents or digital skills. This page sets out how digital inclusion succeeds or fails, how it is measured, and who decides.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-canvas\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Systems<\/strong> \u00b7 around this subject<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-fintech-ops\" data-cx=\"fintech.ops\" data-variant=\"section\" aria-label=\"Fintech risk and operations: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h2 class=\"nx-fk-title\">Fintech risk and operations<\/h2><p class=\"nx-fk-sub\">Financial inclusion \u00b7 Fintech F1 \u00b7 Week 15<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><ul class=\"nx-fk-kpis\" data-n=\"4\"><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Active users<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k0\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">471,267<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">2<\/span><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Active<\/span><\/div><div data-fk-view=\"spark:k0\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,14.4L10.2,22.2L18.4,19.4L26.5,15.6L34.7,21.5L42.9,20.9L51.1,18L59.3,12L67.5,16.5L75.6,23L83.8,20.8L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,14.4L10.2,22.2L18.4,19.4L26.5,15.6L34.7,21.5L42.9,20.9L51.1,18L59.3,12L67.5,16.5L75.6,23L83.8,20.8L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">API uptime, %<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k1\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">99.99<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k1\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,14.6L10.2,18.3L18.4,16.4L26.5,16.2L34.7,18.9L42.9,23L51.1,19.2L59.3,20.3L67.5,17.3L75.6,18.5L83.8,13.3L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,14.6L10.2,18.3L18.4,16.4L26.5,16.2L34.7,18.9L42.9,23L51.1,19.2L59.3,20.3L67.5,17.3L75.6,18.5L83.8,13.3L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Fraud per 10,000 transactions<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k2\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">3<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">2<\/span><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Alert<\/span><\/div><div data-fk-view=\"spark:k2\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,12.9L10.2,19.6L18.4,14.2L26.5,14.9L34.7,16.2L42.9,23L51.1,18.2L59.3,22.2L67.5,16L75.6,15L83.8,18.8L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,12.9L10.2,19.6L18.4,14.2L26.5,14.9L34.7,16.2L42.9,23L51.1,18.2L59.3,22.2L67.5,16L75.6,15L83.8,18.8L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Complaints open<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k3\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">182<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k3\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,15.4L10.2,4.6L18.4,9.7L26.5,7.9L34.7,20.3L42.9,16.6L51.1,11.8L59.3,15L67.5,23L75.6,13.5L83.8,3L92,4L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,15.4L10.2,4.6L18.4,9.7L26.5,7.9L34.7,20.3L42.9,16.6L51.1,11.8L59.3,15L67.5,23L75.6,13.5L83.8,3L92,4\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"4\" r=\"2.4\"\/><\/svg><\/div><\/li><\/ul><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Fraud spike on one channel<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Fintech Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Fraud rate by channel<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Fraud rate by channel\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-fintech-ops-c1\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Card not present|ink|l||0:44.8;1:45;2:48.2;3:45.4;4:48.7;5:48.7;6:48;7:52.9;8:49.7;9:52.7;10:56.4;11:59.1;12:63.3;13:68.2;14:66;15:67.7;16:65.2;17:66.3;18:66.5;19:65.3;20:65.3;21:67.7;22:69.9;23:71.5~Wallet transfer|acc|l||0:51.9;1:52.3;2:50.7;3:47.8;4:48.4;5:48.1;6:51.7;7:50.8;8:53.5;9:53.6;10:57.2;11:55.5;12:53.4;13:53.2;14:57;15:60.1;16:64.9;17:69.8;18:74.7;19:77.8;20:81.8;21:79.6;22:82.4;23:86.1\" data-nx-z=\"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\"><\/svg><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Credit model fairness<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-fintech-ops-t2\"><table class=\"nx-fk-table\" data-fk-table=\"cx-fintech-ops-t2\" aria-label=\"Credit model fairness\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Group<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Approval (%)<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Default (%)<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Gap<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-fintech-ops:r2-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Women<\/td><td data-num=\"true\" data-sv=\"56\">56<\/td><td data-num=\"true\" data-sv=\"6\">6<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Within<\/span><\/td><\/tr><tr data-fk-key=\"cx-fintech-ops:r2-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Rural<\/td><td data-num=\"true\" data-sv=\"32\">32<\/td><td data-num=\"true\" data-sv=\"7\">7<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Review<\/span><\/td><\/tr><tr data-fk-key=\"cx-fintech-ops:r2-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Under 25<\/td><td data-num=\"true\" data-sv=\"51\">51<\/td><td data-num=\"true\" data-sv=\"8\">8<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Review<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Fintech risk and operations: the screen's structure, terms and states for Financial inclusion.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Fig.<\/strong><span>Fintech risk and operations. Design wireframe with placeholder names and illustrative values, not a record or a live system.<\/span><\/p><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>Activity and exposure in East Africa<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Financial inclusion: how the risk\u2026<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Financial inclusion means individuals and small firms can use useful, affordable and safe financial services: transaction accounts, savings, credit, insurance and payments. Mobile money, agent networks, instant payments and digital lending have widened access; access is not use, and digital credit can over-indebt.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Geography<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Activity and exposure in East Africa.<\/h2><p class=\"nx-lede\">For financial inclusion, in GRA's spatial-finance reading, the map opens on night lights and population density with built-up and settlement extent from NASA GIBS, framed on East Africa; every other NASA layer, live feed and forecast waits in the layer list.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"east-africa:finance\" data-ml-points=\"on\" data-ml-src=\"finance\" data-ml-plan=\"p-7874e1ea\"><div class=\"nx-wm\" data-nx-water=\"ctx-finance\" data-wm-domain=\"ctx-finance\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"28,-12,42,5\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Activity and exposure, East Africa: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood||||\" aria-pressed=\"false\">Floods this week<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">2<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Activity and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"false\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"fires\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"0\" data-wm-op=\"1\" data-wm-breaks=\"10,50,200\" data-wm-short=\"Fires and flares\" data-wm-prov=\"NASA LANCE FIRMS\" data-wm-kind=\"Satellite detection; clouds and overpass timing leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Active fires and thermal anomalies, last day<\/span><span class=\"nx-wm-layer-src\">NASA LANCE FIRMS VIIRS NOAA-20 375 m (FIRMS) \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"fires\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"true\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"1\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite image\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">True colour<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 corrected reflectance \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"true\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"6oPh6EhWj+gDMzpLLT8H\/wVfxJakWdyAB8snze2Nado=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For financial inclusion, in GRA's spatial-finance reading, the map opens on night lights and population density with built-up and settlement extent from NASA GIBS, framed on East Africa; every other NASA layer, live feed and forecast waits in the layer list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\" target=\"_blank\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.lance.firms\">NASA Fire Information for Resource Management System (FIRMS), VIIRS 375 m active fire product, NASA LANCE; vector tiles via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\" target=\"_blank\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\" target=\"_blank\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Optional layers (35 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>Active fires and thermal anomalies, last day: VIIRS NOAA-20 375 m (FIRMS), NASA LANCE FIRMS \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/li><li>True colour: VIIRS NOAA-20 corrected reflectance, NASA LANCE \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A04\/topics\/financial-inclusion\/#map\" data-nxf-title=\"Fintech Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Financial inclusion: how the risk develops.<\/h2><p class=\"nx-lede\">Access, SMEs and equitable design. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Access is not use<\/h3><p class=\"nx-p nx-mt-1\">Accounts opened to receive a single benefit payment often stay dormant. Use depends on trust, cost, nearby cash-in and cash-out points, and services that fit irregular incomes.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 10c0 6-8 12-8 12s-8-6-8-12a8 8 0 0 1 16 0Z\"\/><circle cx=\"12\" cy=\"10\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Agents carry the last mile<\/h3><p class=\"nx-p nx-mt-1\">Cash agents convert digital money to cash and back. Agent liquidity shortages, network outages and fraud at agents break the service exactly where alternatives are fewest.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect width=\"20\" height=\"12\" x=\"2\" y=\"6\" rx=\"2\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><path d=\"M6 12h.01M18 12h.01\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Digital credit can over-indebt<\/h3><p class=\"nx-p nx-mt-1\">Instant, small, high-cost loans scored on phone data reach people with no credit history. Without affordability checks and clear pricing, repeated borrowing and default listings follow.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21.21 15.89A10 10 0 1 1 8 2.83\"\/><path d=\"M22 12A10 10 0 0 0 12 2v10z\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Gaps compound one another<\/h3><p class=\"nx-p nx-mt-1\">Women, older people, rural residents and small firms without collateral trail in account use and credit. Gaps in phone ownership, documents, digital skills and collateral reinforce one another.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Account ownership<\/td><td data-label=\"Definition\">Having an account at a financial institution or mobile money provider, the main Global Findex measure.<\/td><\/tr><tr><td data-label=\"Term\">Agent network<\/td><td data-label=\"Definition\">Retail outlets that provide cash-in, cash-out and other services on behalf of a financial provider.<\/td><\/tr><tr><td data-label=\"Term\">MSME finance gap<\/td><td data-label=\"Definition\">The difference between the finance micro, small and medium enterprises need and what they receive.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Adults with an account<\/td><td data-label=\"Unit\">percent of adults<\/td><td data-label=\"Cadence\">per survey round<\/td><td data-label=\"Source type\">Global Findex<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Gender gap in account ownership<\/td><td data-label=\"Unit\">percentage points<\/td><td data-label=\"Cadence\">per survey round<\/td><td data-label=\"Source type\">Global Findex<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Active mobile money accounts<\/td><td data-label=\"Unit\">count active in the last ninety days<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">GSMA industry survey<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Access points<\/td><td data-label=\"Unit\">agents and branches per hundred thousand adults<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">IMF Financial Access Survey<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">MSME finance gap<\/td><td data-label=\"Unit\">currency value relative to GDP<\/td><td data-label=\"Cadence\">periodic<\/td><td data-label=\"Source type\">SME Finance Forum estimates<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Non-performing digital credit<\/td><td data-label=\"Unit\">percent of outstanding digital loans<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Regulator and credit bureau records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Complaints on digital financial services<\/td><td data-label=\"Unit\">count by product and type<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Regulator and ombudsman records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A04\/topics\/financial-inclusion\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Financial inclusion as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a04-topics-financial-inclusion-aml-t nx-dag-a04-topics-financial-inclusion-aml-d\" data-nx-z=\"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\"><title id=\"nx-dag-a04-topics-financial-inclusion-aml-t\">Financial inclusion: from customer due diligence to suspicious activity report<\/title><desc id=\"nx-dag-a04-topics-financial-inclusion-aml-d\">Customer due diligence sets a risk rating; transaction monitoring scenarios raise alerts; analysts triage and investigate; the MLRO decides whether to report to the financial intelligence unit; feedback tunes the scenarios. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">World Bank Global Findex Database<\/td><td data-label=\"What it gives\">Account ownership, use, saving, borrowing and financial resilience by country and group<\/td><td data-label=\"Licence class\">Free and open, attribution (CC BY)<\/td><\/tr><tr><td data-label=\"Source\">IMF Financial Access Survey<\/td><td data-label=\"What it gives\">Supply-side data on access points, accounts and use by country<\/td><td data-label=\"Licence class\">Free, attribution under IMF terms<\/td><\/tr><tr><td data-label=\"Source\">GSMA State of the Industry Report on Mobile Money<\/td><td data-label=\"What it gives\">Mobile money accounts, activity, agents and transaction trends<\/td><td data-label=\"Licence class\">Free report, GSMA terms<\/td><\/tr><tr><td data-label=\"Source\">SME Finance Forum MSME Finance Gap database<\/td><td data-label=\"What it gives\">Estimated financing gap for micro, small and medium enterprises<\/td><td data-label=\"Licence class\">Free, terms per publisher<\/td><\/tr><tr><td data-label=\"Source\">World Bank Enterprise Surveys<\/td><td data-label=\"What it gives\">Firm-level access to finance and the constraints firms report<\/td><td data-label=\"Licence class\">Free with registration, World Bank terms<\/td><\/tr><tr><td data-label=\"Source\">Cambridge Centre for Alternative Finance benchmarking studies<\/td><td data-label=\"What it gives\">Volumes and models of digital lending, crowdfunding and other alternative finance<\/td><td data-label=\"Licence class\">Free, terms per publisher<\/td><\/tr><tr><td data-label=\"Source\">Alliance for Financial Inclusion policy publications<\/td><td data-label=\"What it gives\">National financial inclusion strategies and member policy frameworks<\/td><td data-label=\"Licence class\">Free, terms per publisher<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A04\/topics\/financial-inclusion\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Fintech Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Central banks and financial regulators<\/td><td data-label=\"The question\">Which licensing, agent and e-money rules widen access without weakening safety<\/td><td data-label=\"Evidence this page serves\">Comparative regime notes, access point data, complaint trends<\/td><\/tr><tr><td data-label=\"Who decides\">Ministries of finance and inclusion strategy councils<\/td><td data-label=\"The question\">Which gaps a national strategy targets and how progress is measured<\/td><td data-label=\"Evidence this page serves\">Gap profiles by group, survey and supply-side indicators<\/td><\/tr><tr><td data-label=\"Who decides\">Consumer protection authorities<\/td><td data-label=\"The question\">Whether digital credit pricing, disclosure and collection practices need rules<\/td><td data-label=\"Evidence this page serves\">Complaint records, non-performing loan trends, research on lending design<\/td><\/tr><tr><td data-label=\"Who decides\">Mobile network operator and bank boards<\/td><td data-label=\"The question\">How to size agent networks, pricing and fraud controls in underserved areas<\/td><td data-label=\"Evidence this page serves\">Agent liquidity and outage evidence, use and dormancy data<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Equitable design notes for accounts, agent networks and digital credit<\/li><li>Inclusion gap profiles by group with survey uncertainty stated<\/li><li>Research on consumer protection in digital lending<\/li><li>Mapping of inclusion programmes to the GPFI principles<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">The questions experts ask.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>Who remains excluded from formal financial services, and why?<\/li><li>Does digital access translate into usage and better outcomes?<\/li><li>How do digital credit products affect borrowers, including risks of over-indebtedness?<\/li><li>Why do small and medium-sized enterprises face persistent financing gaps?<\/li><li>How can products be designed for people with irregular incomes, low literacy or disabilities?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Access, usage and outcomes.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Barriers to inclusion include cost, distance, documentation requirements, lack of trust, low financial and digital literacy and products that do not fit people's needs. Mobile money has shown that digital channels can reach people without bank branches, and research documents benefits for resilience, such as the ability to receive remittances after shocks. But access does not always mean active use, and gender, age and rural gaps persist.<\/p><p class=\"nx-p\">Digital credit can provide quick small loans using alternative data, but high costs, aggressive marketing and easy repeat borrowing can lead to over-indebtedness. Consumer protection, including transparent pricing, fair collection and complaint handling, is central to whether inclusion helps.<\/p><p class=\"nx-p\">Small firms face financing gaps because lenders find them costly to assess and they often lack collateral and credit histories. Digital data, such as transaction records and invoices, can help lenders assess them, with questions about data rights and fairness.<\/p><p class=\"nx-p\">Resilience is a useful test of inclusion. The question is not only whether people hold accounts, but whether financial services help them cope when income falls, prices rise or disaster strikes, for example by receiving transfers quickly or drawing on savings and insurance.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Methods and their limits.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect width=\"8\" height=\"4\" x=\"8\" y=\"2\" rx=\"1\" ry=\"1\"\/><path d=\"M16 4h2a2 2 0 0 1 2 2v14a2 2 0 0 1-2 2H6a2 2 0 0 1-2-2V6a2 2 0 0 1 2-2h2\"\/><path d=\"m9 14 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Surveys<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Inclusion surveys<\/h3><p class=\"nx-p nx-mt-1\">Household and firm surveys measuring access and use.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><circle cx=\"12\" cy=\"12\" r=\"6\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Evaluation<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Impact studies<\/h3><p class=\"nx-p nx-mt-1\">Evaluations of products and policies; results vary by context.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Design<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Behavioural research<\/h3><p class=\"nx-p nx-mt-1\">Studying how product design affects use and outcomes.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">Limits: surveys are periodic and may miss informal finance, and impact evaluations of digital credit show mixed results that depend on product design and market conditions.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/digital-identity\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Digital identity and public digital systems<\/span><span class=\"nx-mledger-role\">Assurance-level mapping \u00b7 Remote proofing attack testing \u00b7 Exclusion analysis<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/digital-identity\/\" aria-label=\"Digital identity and public digital systems: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/payments-technology\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Payment and financial market technology<\/span><span class=\"nx-mledger-role\">Dependency mapping of a payment chain \u00b7 Liquidity stress simulation<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\" aria-label=\"Payment and financial market technology: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Credit and fraud model evaluation \u00b7 Drift and challenger monitoring<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Artificial intelligence and machine learning: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/cybersecurity\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Cybersecurity and cryptography<\/span><span class=\"nx-mledger-role\">Threat-led penetration testing \u00b7 Supply chain and dependency analysis<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/cybersecurity\/\" aria-label=\"Cybersecurity and cryptography: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Demand-side surveys are periodic and self-reported, and supply-side data count accounts rather than people. Providers define active use differently. Digital credit data are often held by lenders who do not report to credit bureaus. Equitable design depends on local context that national averages hide. Fintech Nexus does not provide accounts, credit or payments; regulators, governments and providers decide how inclusion is pursued.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>How is financial inclusion measured?<\/summary><div class=\"nx-answer\">Through demand-side surveys of individuals and firms, such as Global Findex and the Enterprise Surveys, and supply-side data from providers and regulators, such as the IMF Financial Access Survey. The two answer different questions.<\/div><\/details><details><summary>Why do account ownership and use differ?<\/summary><div class=\"nx-answer\">An account opened for one payment may never be used again. Use depends on cost, trust, the distance to a cash-out point and whether services fit people's needs.<\/div><\/details><details><summary>What are the G20 High-Level Principles for Digital Financial Inclusion?<\/summary><div class=\"nx-answer\">Principles agreed by the G20 through the Global Partnership for Financial Inclusion. They cover a digital approach to inclusion, balancing innovation and risk, consumer protection, financial literacy and measurement.<\/div><\/details><details><summary>Does Fintech Nexus recommend financial products?<\/summary><div class=\"nx-answer\">No. It prepares shared understanding of how inclusion is measured and designed. It gives no financial advice to individuals or firms.<\/div><\/details><details><summary>Does GRA provide financial services to excluded groups?<\/summary><div class=\"nx-answer\">No. GRA does not lend or provide financial services; it studies inclusion at industry level.<\/div><\/details><details><summary>Is digital credit good for borrowers?<\/summary><div class=\"nx-answer\">Evidence is mixed. Outcomes depend on pricing, transparency, product design and consumer protection.<\/div><\/details><details><summary>Why focus on SMEs?<\/summary><div class=\"nx-answer\">Because small firms are major employers and face persistent financing gaps, and digital data may help close them.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-15\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-15\" class=\"nx-h3 nx-mt-2\">Around Fintech Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/payments-and-innovation\/\">Payments and innovation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/open-finance\/\">Open finance <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/digital-assets-and-tokenization\/\">Digital assets and tokenisation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/ai-and-automation\/\">AI and automation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/financial-identity\/\">Financial identity <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/fintech-operational-risk\/\">Fintech operational risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/\">Fintech Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Fintech Nexus<\/span><h2 id=\"nx-close-16\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Fintech%20Nexus%3A%20Financial%20inclusion\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/financial-inclusion\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/financial-inclusion\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How is financial inclusion measured?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Through demand-side surveys of individuals and firms, such as Global Findex and the Enterprise Surveys, and supply-side data from providers and regulators, such as the IMF Financial Access Survey. 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