From access to resilience What should count as success when access alone does not protect people from shocks? 1 From access to resilience What should count as success when access alone does not protect people from shocks? 1 Adapting to a new normal: climate as a systemic condition What changes when climate risk becomes part of ordinary financial inclusion rather than a specialist agenda? 2 Adapting to a new normal: climate as a systemic condition What changes when climate risk becomes part of ordinary financial inclusion rather than a specialist agenda? 2 Promise... but without guardrails How can AI and digitalisation create value without outrunning institutions, regulation and trust? 3 Promise... but without guardrails How can AI and digitalisation create value without outrunning institutions, regulation and trust? 3 Who pays for inclusion? The search for sustainable capital Who will finance inclusion as public and donor funding contracts — and what will that capital require in return? 4 Who pays for inclusion? The search for sustainable capital Who will finance inclusion as public and donor funding contracts — and what will that capital require in return? 4 Navigating a fragmented and complex landscape Is inclusive finance still solving the right problems, or does the sector need to fundamentally rethink what success looks like? 5 Navigating a fragmented and complex landscape Is inclusive finance still solving the right problems, or does the sector need to fundamentally rethink what success looks like? 5 Introducing five broad themes from the responses Menu Menu Close Close 1. Introduction, context & respondents 1.1. Welcome to the Financial Inclusion Compass 2026 1.1. Welcome to the Financial Inclusion Compass 2026 2. Results 2.1. A sector adapting on several fronts at once: what respondents told us 2.1. A sector adapting on several fronts at once: what respondents told us Five themes Introducing five broad themes from the responses Introducing five broad themes from the responses Analysis & implication 4.1. Difficult choices ahead 4.1. Difficult choices ahead 1.2. A listening exercise, not a census 1.2. A listening exercise, not a census 1.3. A diverse field of voices 1.3. A diverse field of voices 2.2. Shared concerns, different exposure 2.2. Shared concerns, different exposure 2.3. Where you sit shapes what you see 2.3. Where you sit shapes what you see From access to resilience From Access to Resilience Adapting to the new normal Adapting to the new normal Promise without guardrails Promise without guardrails Who pays for inclusion? Who pays for inclusion? Navigating a fragmented and complex landscape Navigating a fragmented and complex landscape 4.2. What does it all mean? 4.2. What does it all mean? 4.3. Five questions that will shape the next phase of financial inclusion 4.3. Five questions that will shape the next phase of financial inclusion 4.4. About the Compass 4.4. About the Compass