About e-MFP Acknowledgements About previous editions e-MFP is the leading network of organisations and individuals working in financial inclusion. Through knowledge exchange, research, advocacy and collaboration, e-MFP brings together practitioners, investors, policymakers, researchers and support organisations from across the financial inclusion ecosystem. Learn more at e-mfp.eu e-MFP would like to thank everyone who contributed to this year’s Financial Inclusion Compass by completing the survey and sharing their perspectives. We are also grateful to the members of the e-MFP community whose engagement and expertise continue to strengthen this annual publication. The Financial Inclusion Compass is published annually. To explore previous Compass editions and see French and Spanish Executive Summaries of this report, visit: e-mfp.eu/financial-inclusion-compass 4.4. About the Compass 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