What does it all mean? The Compass does not prescribe a single strategy for the future of financial inclusion. But it does suggest that organisations across the ecosystem may need to rethink some longstanding assumptions. 4. Analysis & implications For Financial Service Providers The definition of success is broadening. Respondents suggest that access alone is becoming an insufficient measure of performance. FSPs are increasingly expected to build resilience, respond to climate risk, use technology responsibly and continue serving clients whose needs are becoming more complex. Competitive advantage may increasingly come not from offering more products, but from becoming more adaptive institutions. Implications for different ecosystem actors