The Committee on Payments and Market Infrastructures (CPMI) and the World Bank Group issued a consultative report on payment aspects of financial inclusion. Financial inclusion efforts - from a payment perspective - should ensure that all individuals and businesses have access to and are able to use at least one transaction account operated by a regulated payment service provider, to: (a) perform their payment needs; (b) safely store some value; and (c) serve as a gateway to other financial services. The report examines demand and supply-side factors affecting financial inclusion in the context of payment systems and services, and suggests measures to address these issues.

The report outlines seven guiding principles designed to assist countries that want to advance financial inclusion in their markets through payments: (a) commitment from public and private sector organisations; (b) a robust legal and regulatory framework underpinning financial inclusion; (c) safe, efficient and widely reachable financial and ICT infrastructures; (d) transaction accounts and payment product offerings that effectively meet a broad range of transaction needs; (e) availability of a broad network of access points and interoperable access channels; (f) effective financial literacy efforts; and (g) the leveraging of large-volume and recurrent payment streams, including remittances, to advance financial inclusion objectives.