Where you sit shapes what you see How respondents see things differently based on where they are Respondents based in high-income and lower-income countries share some perspectives. Both recognise climate pressure, funding uncertainty, technological change and the difficulty of reaching excluded groups. The difference is one of emphasis . Low-income-country respondent Climate adaptation and client resilience lead the trend ranking. Funding volatility is the leading challenge, followed by last-mile reach. Meaningful impact and outcomes receive greater relative emphasis. Climate adaptation is the clearest future priority; AI ranks much lower as a current trend than among high-income respondents. High-income-country respondents AI and automation are the highest-ranked trends. AI/data/fraud and geopolitics are joint leading challenges. Changing capital flows receive substantially greater trend salience. Nearly a quarter select “no one — the gap will remain” in the funding question. There is a shared centre Climate change is altering both client vulnerability and institutional risk. Funding is becoming less predictable while the inclusion mandate remains difficult and costly. Technology will matter, but its value depends on data, infrastructure, governance and trust. The hardest-to-reach groups remain central to the sector’s stated purpose. 2. Results