1. offer governments technical assistance to National financial inclusion strategies (NFIS): design and implement national or sub national roadmaps and action plans to achieve their financial inclusion objectives. 2. help countries design Modernize retail payment systems and government payments: strategies to promote the use of electronic payments, instead of cash and paper-based instruments. Many countries are successfully digitizing government payments by shifting all government-to-person payments into accounts, which typically lowers costs and increases financial access. It also leads to significant cost savings in the administration of payment schemes, as well as to reduced leakages related to corruption and fraud. 3. : conduct a Reform national payments systems (NPS), including remittance markets comprehensive diagnostics of countries' payments and settlement systems, including remittance markets, and make recommendations to improve NPS. 4. support legal, regulatory and policy reforms, Diversify financial services for individuals: capacity building for supervisors, design of government programs to open up access to a range of financial services, including savings, insurance and credit, so that transaction accounts provide a pathway to full financial inclusion. 5. work with national authorities to create an Leverage technology for financial inclusion: enabling environment to take advantage of 'fintech' opportunities and new technology, level the playing field, and expand financial access. We also support G20-led work-streams relevant for 'fintech.' 6. support regulatory and supervisory Strengthen competition and expand access points: reforms to open up access and ensure level playing field for banks and non-bank (or non- traditional service providers), such as telecoms companies, 'fintech' firms, post offices, cooperatives and agent networks. 7. : work on building legal and regulatory framework for Financial consumer protection financial consumer protection, disclosure and transparency, including advising on institutional arrangements and redress mechanisms, and building capacity. 8. work with governments to design national financial education Financial capability: strategies (NFES), collect data and create surveys to measure the level of financial literacy, capability and awareness, and design and evaluate financial capability programs. 9. Our global and country-level surveys provide data and insights on Financial inclusion data: financial inclusion. Our global surveys include the Global Findex, surveying more than 150,000 people in some 140 countries; the Global Payment Systems Survey (GPSS), surveying regulators in some 120 countries on financial infrastructure related to payments and mobile money; and the Global Financial Inclusion and Consumer Protection (FICP) Survey, surveying regulators in some 140 countries to assess the enabling environment for financial inclusion and consumer protection. We also conduct country-level diagnostics and surveys on financial capability and consumer protection, and finance for small and medium enterprises (SMEs). Finally, our Remittance Prices Worldwide (RPW) database provides data on the cost of sending and receiving remittances in 365 country corridors.