Five themes Introducing five broad themes from the responses From access to resilience Adapting to the new normal Promise without guardrails Who pays for inclusion? Navigating a fragmented and complex landscape 3 Five themes Introducing five broad themes from the responses From access to resilience Adapting to the new normal Promise without guardrails Who pays for inclusion? Navigating a fragmented and complex landscape 3 Analysis & implications 4.1. Difficult choices ahead 4.2. What does it all mean? 4.3. Five questions that will shape the next phase of financial inclusion 4.4. About the Compass 4 Analysis & implications 4.1. Difficult choices ahead 4.2. What does it all mean? 4.3. Five questions that will shape the next phase of financial inclusion 4.4. About the Compass 4