Finance is a foundational factor in growth and prosperity. Still, to be truly effective today, it needs to be robust, modern, and resilient and serve the needs of a range of stakeholders. Countries should focus on improving four high-priority areas: digital financial infrastructure and payments, financial services governance, and data and financial systems. Policies in these areas should be based on transparency, predictability, inclusion, and economic growth principles.

Governments can build trust in the market by conducting regulatory changes for financial services with transparency and prioritizing long-term predictability in policies. Financial inclusion is a crucial enabler of economic growth and empowered communities. In an increasingly digitalized economy, public- and private-sector actions can increase access to formal financial services and institutions. Innovative public-private finance partnerships have the potential to accelerate such increases.


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