It is in this regard that financial capability is an integral part of financial inclusion; hence, effective empowerment strategies for financial capability need to focus on providing practical, easy-to-understand and impartial advice so that consumers can make informed decisions. As you would be aware, in general, the rate of financial inclusion is relatively low in sub-Saharan Africa and other the emerging market economies.
For example, according to the 2014 Finscope Survey, more that 68 percent of the adult population in Botswana have access to financial services; this compares with 58 percent in Namibia, 70.3 percent for South Africa; 39 percent in Mexico and 53 percent in India.