An account that is never used is not inclusion

The problem

Account opening figures are reported as financial inclusion, while a large share of accounts see little or no activity.

Why it matters

Counting accounts instead of usage lets a policy be declared successful without changing anyone's finances.

Proposed solution

Advocate for usage-based rather than account-based reporting, and document the practical barriers people describe.

How it would be implemented

Structured citizen reporting on distance to branch, service refusals, minimum balance and transaction charges.

Risks, and what we would do about them