borderlessfinance

For decades, the question of financial inclusion was physical: Is there a branch nearby? Is there an account available? How much does it cost to send money? Can a person save securely?
Today, the question is starting to shift. In many emerging markets, the first point of financial contact isn't a bank office, but rather a smartphone.
The World Bank reported in 2025 that almost 80% of adults globally now have a financial account, up from 50% in 2011. That's a huge leap. But the same source also highlights the size of the gap still to be closed: 1.3 billion adults still lack access to financial services.