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Decoding Bank Account Usage by Low Income Segments: Placing Reality in Digital Ecosystem

Policy innovations and the integration of digital technology are prompting a transformation of the financial services sector in India. But although hundreds of thousands of new accounts have been opened, a significant proportion remain un- or under-used. Grameen Foundation India and J.P. Morgan analyze why and what can be done to ensure low-income people are fully included in the financial system.

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Grameen Foundation India has trained over 20,000 poor women in using mobile and digital finance solutions: Prabhat Labh

My vision for GFI is to focus on a holistic approach to financial inclusion and digital finance, which moves beyond simplistic access to a bank account or payment system to a system where digital finance can make a real difference in the lives of poor.

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