<i>‘Over the years, the subject of financial inclusion has received wide attention from academic and policy circles, and it has become increasingly crowded but disparate. In this context we need something cogent that brings out the crux of financial inclusion. The authors have delivered a credible and thoughtful book which is contextualized in modern finance paradigms but still evolving with rapidly advancing financial technology and digital services. The potential beneficiaries are beyond academics and students of development finance but also include policy actors around the globe – both in low income and emerging economies.’</i>

- Lemma W. Senbet, University of Maryland, US,

<i>‘Financial inclusion is widely thought to have a key role in poverty reduction. This welcome and valuable book provides new insights as to why microcredit has failed to live up to its promise, why savings clubs may be a better option for the poor, and why the financial inclusion gender gap needs to be closed. I strongly recommend this book for anyone wanting an up to date, evidence-based discussion of this important part of the development agenda.’</i>

- Howard White, The Campbell Collaboration, Norway,

<i>‘Global financial innovations are reshaping markets and bringing hundreds of millions of people into the formal financial sector. With these changes, understandings of economies, technologies, and</i>

- households are expanding. This clear and accessible book takes readers quickly to the frontiers of the field.’– Jonathan Morduch, New York University, US,