<h1>Financial inclusion: prioritize payments, savings, tailored institutions, and consumer protection so credit can follow verified usage patterns.</h1> Financial inclusion confronts three core impediments-information, incentives, and transaction costs-preventing poor and remote populations from accessing formal services. Policy responses include targeted mandates and explicit subsidies with tighter monitoring and tradable certificates; institutional reforms such as small finance banks, credit bureaus, digital identifiers, and receivables discounting to reduce asymmetries and costs; and prioritising payments, savings, and insurance to let credit follow usage. Complementary measures address simplified KYC, competition, flexible repayment and restructuring, skilling support, and scaled financial literacy and consumer protection.