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One of the obstacles to more effective financial inclusion is that the international standards that guide the delivery of financial services were originally conceived for developed countries. Yet the practical realities in developing countries, which are home to an estimated 90% of the world’s financially excluded, are very different. This report, published by the Alliance for Financial Inclusion in its capacity as Implementing Partner of the GPFI, highlights how international standards and their application can be improved to accommodate these differences, based on an analysis of five countries: Brazil, Kenya, Mexico, the Philippines and South Africa.
