4/6  BIS central bankers' speeches  Third, as noted earlier, the system has been set up to encourage the development of commercial ‘overlays’ using the real-time payment capability to deliver value-added services to consumers and businesses. Aside from the additional Osko services in prospect, possible overlays might include services for superannuation, e-invoicing and motor vehicle sales.
Besides consideration of economic efficiency, there is a compelling morale argument for financial inclusion to create a just society which provides economic growth with equity. Table 1: Financial Inclusion Plan coverage reflecting the progress made so far  6  BIS central bankers’ speeches  BIS central bankers’ speeches  7  8  BIS central bankers’ speeches