Financial inclusion in Australia: towards transformative policy

This paper looks at the rise of the financial inclusion agenda in developed countries, and what it might mean in Australia.

This paper argues that Australia can advance policies on financial inclusion which will have social justice as a core value, but it warns that the realisation of this potential is not guaranteed. Transformative, as opposed to conservative, financial inclusion policies will require actions that, in addition to reducing the impact of exclusion, target the systemic barriers that feed the process of financial exclusion.