At MasterCard Advisors financial inclusion is more than just a business statement. It is one of the key components of thought leadership. We envision a world in which everyone who can use them has access to and uses a full suite of quality financial services, provided at affordable prices, in a convenient manner, with respect and dignity. Financial services are delivered by a range of providers, in a stable, competitive market to financially capable clients.


Our thought leadership is represented here by several white papers and research projects, led by our most recent work "A Progressive Approach To Financial Inclusion." This study from MasterCard Advisors used a data-driven approach to demonstrate three key principles that will help inform the strategies to drive higher financial inclusion and realize its benefits.


These principles are:

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Creating Higher Levels of Financial Inclusion in China

As it continues to deal with the transition from absolute poverty to economic power over the past decades, China's leadership has started on the path of achieving more inclusive growth. This paper lays out a three-point plan for the country's leadership to continue that trend...

The Road to Inclusion: A Look at the Financially Excluded and Underserved

This exclusive research project examines the population segments that are deemed as financially excluded or financially underserved. It provides thought-provoking, and stereotype-challenging insights into six diverse markets and identified five key segments.


Measuring Progress Toward A Cashless Society

The "Cashless Journey" study measures nations' progress toward more modern, efficient electronic payment mechanisms by looking at the current share of cash versus non-cash payments for consumers (Share), how this Share has shifted in the past five years (Trajectory) and whether conditions exist for cash payments to move to electronic (Readiness).



Enabling Financial Inclusion Through Alternative Data

In developing markets, credit assessment of individuals unknown to a lender is often subjective, time consuming and expensive, potentially involving home visits by loan officers to interview applicants and their neighbors. Here is a plan for lenders to use "alternative data" to extend credit to the financially excluded and access an unserved market while contributing to economic development at the same time.


A New Perspective On Bill Payment—A Demand-Based Path To Financial Inclusion

The threshold to financial inclusion is typically understood to be the ownership of a payment transaction account. But it's a major challenge worldwide. This paper shows that to address this challenge, financial inclusion should start with promoting non-cash methods of bill payment.