Five themes Introducing five broad themes from the responses Scroll The Compass survey asked respondents about five distinct topics: emerging trends, sector challenges, the role of AI, the changing funding landscape, and future priorities. Each provides valuable insights in its own right, and there are meaningful and revealing differences in how respondent groups see these topics. But viewed together, a different picture emerges. Rather than treating these questions and summarising respondents’ views in these silos (as in previous Compass editions) we’re going to be a bit more ambitious, and explore five cross-cutting themes that run across multiple parts of the survey. Each theme combines the quantitative rankings with the qualitative comments to explore not just what respondents think, but how different issues connect — and what they reveal about the direction of the financial inclusion sector. The following sections examine each of these five themes in turn, bringing together evidence from across the survey to provide a more integrated picture of the opportunities, tensions and choices facing the sector. Part 3 3. Five themes