Measuring availability and actual use of deposit accounts, payment services, credit for poor households (micro-credit schemes), micro-level insurance products ought to be part of the framework. (ii) The second aspect relates to understanding constraints or barriers for financial inclusion and development of indicators for assessing the same.
(iii) Another important dimension is the collection of transactional data on amount of credit extended, deposits placed, remittances made, etc. This is important in order to gauge the effectiveness of the financial inclusion initiatives. Merely opening of accounts without ensuring transactions undermines the beneficial impact of the financial inclusion measures. (iv) Finally, diverse data are required to be pooled and benchmarked at international level.