An exploration of consumer characteristics  (a)  Employment and earnings differentials  Let me now move on to the core of this lecture, i.e., to characterize the potential consumer for products and services emerging from a financial inclusion strategy.
Let me begin with the nature of employment in the country, which, to my mind, is a critical attribute to the kinds of financial services which people may want. Slide 4 provides the composition of the domestic workforce in terms of their sources of income. It is most striking that over half the workforce is categorized as being self-employed.