How do we know? Household resilience is ranked as #1 future priority. Climate adaptation is ranked highly across multiple sections. Resilience appears repeatedly in trends and priorities. Introducing five broad themes from the responses In a sentence... The next era of financial inclusion may be judged less by who has access, than by who can withstand the next shock . A financial system focused on strengthening household resilience would encourage financial institutions and other stakeholders to articulate the diversity of financial instruments customers need throughout life events — payments, credit, savings and insurance. Marjolaine Chaintreau, Strategy and Impact Lead, AXA EssentiALL 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