Not surprisingly, access to an account is only a small part of achieving financial health. The Findex database itself notes that a quarter of all accounts worldwide are “inactive,” meaning that there were no deposits or withdrawals made over the prior 12 months. In some cases, customers that are provided financial accounts quickly return to the cash economy.
For example, in 2014, India launched an ambitious financial inclusion program with the goal of connecting every citizen to a basic bank account that  9  Larry D. Wall, “Fintech and Financial Inclusion,” Notes from the Vault (Federal Reserve Bank of Atlanta, August 2017), https://www.frbatlanta.org/cenfis/publications/notesfromthevault/08-fintech-and-financialinclusion-2017-08-30.aspx#_edn6 (quoting J. Michael Evans, President of Alibaba).