Fifth, financial inclusion can contribute to enhanced financial stability through contributing to the improved health of the household sector, of small businesses and, to some extent, that of the corporate sector. The health of the household sector is improved through improved economic linkages, reducing reliance on the costly informal sector and through improved ability to make and receive payments.
The benefits of this cannot be overstated given that for the household sector the implications of a lack of access to banking services can be severe. 5  FATF Guidance on “Anti-Money Laundering and Terrorist Financing Measures and Financial Inclusion”, June 2011.