Financial Inclusion

Over 30 percent of the world''s adults lack access to basic financial tools¿more often women, members of minority groups, and poor families. The abilities to buy what you need, when you need it, to put money aside for the future, and to withstand bad luck without financial ruin seem like basic elements of life in a functioning economy. But life is not that simple for people who lack financial tools. In fact, the tighter the budget, the more you need and benefitfrom financial services. Financial inclusion¿or, put another way, having the tools necessary to take control of one''s finances and make progress towards one''s goals¿is essential to a just and fair society.In Financial Inclusion: What Everyone Needs to Know, prominent experts Jonathan Morduch and Timothy Ogden explain in straightforward language how the lack of financial inclusion reinforces broader inequities in our society. Using their extensive backgrounds in finance, technology, economic change, and inequality, Morduch and O