Digital financial access has expanded rapidly, yet meaningful usage and resilience remain uneven across emerging markets. More than 1.4 billion adults now have a mobile money or digital wallet account, but activity rates, credit access, and insurance coverage lag far behind. Industry, policy, and development leaders examine why shared infrastructure, digital identity, interoperable payment rails, and trusted data systems have become the decisive factor in moving from access to impact.
The discussion explores how infrastructure-led approaches can unlock sustained usage, lower costs, and improve resilience for informal workers, women, and rural communities. Strengthening public–private collaboration, aligning regulatory frameworks, and investing in shared financial infrastructure emerge as critical priorities for inclusive systems that scale across borders
