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Since 2014, India has embarked on one of the most ambitious financial inclusion initiatives ever seen anywhere in the world, bringing over 330 million people into the formal financial sector. This report tells the story of this growth. It dissects the major trends and drivers behind them, identifies key actors and the roles that they have played, and presents a roadmap for how the next phase of digital financial inclusion in India can be made more effective and more inclusive. The report, commissioned by USAID through the Mobile Solutions Technical Assistance and Research (mSTAR) project, takes into account field research with users and providers of digital financial services, as well as interviews with senior experts in government, the development sector and the financial sector.
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