Digital technologies are critical for expanding the reach, affordability, and quality of financial services and accelerating digital financial inclusion.
More people than ever are using mobile phones and digital technology to access financial services. We work with partners to design and scale fintech solutions for financial inclusion, bringing affordable, customer-focused services to low-income individuals and small businesses. These solutions—from digital payments to credit and insurance—help expand access and improve financial resilience.
What is inclusive fintech?
Inclusive fintech refers to the use of digital technology to expand access to financial services for underserved individuals and businesses. By leveraging mobile platforms, data, and innovative delivery models, fintech can reduce costs, improve reach, and design services that better reflect how people earn, save, and manage money.
Why inclusive fintech matters?
Despite progress, millions of people remain excluded from formal financial systems. Traditional financial models often fail to reach low-income individuals, small businesses, and rural communities. Digital financial inclusion offers an opportunity to bridge these gaps—if solutions are designed with users’ needs in mind.
How we support inclusive fintech
Accion Ventures is an investment strategy that today pursues early-stage investments as part of Accion Impact Management. Accion Ventures deploys capital into early-stage fintech startups that operate in countries worldwide.
Accion Emerge invests in growth-stage companies embracing innovation in embedded finance, agritech, and the future of work to unlock opportunities for underserved people. These models help scale solutions that advance financial inclusion, particularly for small businesses and emerging markets.
How we work
We aim to ensure digital innovation expands access to responsible, affordable financial services for underserved individuals and businesses. By advancing financial inclusion through fintech, we help build more inclusive economies where people can participate, grow, and thrive.
1.4 b
1.4 billion adults globally remain unbanked, highlighting the scale of the financial inclusion gap
42%
In low- and middle-income countries, 42% of adults own smartphones yet no financial accounts.
43%
43% of small and medium businesses in developing economies lack access to formal financial services, limiting growth and resilience.
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