It explores the success of financial inclusion programs in promoting economic activity and lifting people out of poverty. It does not concentrate on a single deployment or approach, rather, it takes a broader view. The book surveys the technology and infrastructure required to build digital payment systems, as well as the regulatory and governance frameworks that enable their operation, however, the major focus is on the incorporation of these financial services within communities in order to deliver social outcomes. The book opens the conversation, proposing a new method of measuring financial inclusion. It takes a critical but constructive look at the field over the last 20+ years and discusses the key learnings. It examines the Kenya mobile money approach to financial inclusion, compared with the Indian bank lead approach, and delivers a broad-based plan on how the programs can be more effective in the future. Financial inclusion requires a pathway to progress, through a period of technology transformation. The foundation is provided by this book and the reader, on finishing, it will have a comprehensive appreciation of the subject matter.