Figure 2
The flowchart illustrates the process of achieving financial inclusion. It starts with unbanked adults, unserved adults, and underserved adults. The process involves several steps including legal and digital identification, research and development, digital technology, promotion and advertisement, partnerships, agent banking networks, digital and financial literacy, consumer protection, risk management, physical infrastructure, mobile phone penetration, ICT, and internet access. The final outcome is financially included adults.Financial inclusion process. Source: Author's own work