Financial Inclusion Commission
Halving financial exclusion in the UK within a decade.
The Facts
Financial exclusion remains a significant challenge for 21st century Britain.
1 in 4
people in the UK have low financial resilience (FCA, 2025)
9 million
adults declined credit in just 12 months
(MaPS, 2023)
8.1m
people need debt advice
(MaPS, 2025)
1 in 10
people have no access to cash savings at all
(FCA, 2025)
Our 2026 Plan for Change
A ten-year, cross-party, cross-sector commitment to reduce financial exclusion by at least half within the next decade.
“With the right sense of urgency and commitment to collaborative action, financial exclusion can be halved within ten years.”Download the 2026 Plan for Change (opens in a new tab)
How we create change
Commission
We commission rigorous research grounded in the real experiences of people across all four nations.
Convene
We bring together policymakers, banks, payment organisations, insurers, pension providers, regulators, charities and people with lived experience.
Challenge
We hold the system to account, as a constructive critical friend, with evidence-backed, solutions-focused recommendations.
Champion
We find what's working across the four nations and make sure it's visible to those who could learn from it.
Who We Are
We're an independent body of experts from financial services, business, the charity sector, academia and parliamentarians.
We want a financially inclusive UK, where financial services are accessible, easy to use and meet people's needs over their lifetime, and where everyone has the skills and confidence to use them.
Together, these reports set out a compelling vision for financial inclusion not just as a moral imperative, but as an economic and commercial necessity. Financial inclusion is a key lever for unlocking both individual and national potential. The Economic Case and the Business Case for Financial Inclusion call for a national joined up approach, renewing our call for a secondary statutory duty for financial regulators to “have regard to financial inclusion,” ensuring that those not currently served by the market are no longer overlooked.
The Economic and Business Case for Financial Inclusion
Read the latest news and updates from the Financial Inclusion Commission here:
Our Partners
