For more than two decades, the financial sector has pursued a clear objective: bring more people into the formal financial system. The first generation of financial inclusion set out to connect people to the financial system. Investment gives today’s income the opportunity to create tomorrow’s financial security. A household can spend decades using financial services, making digital payments, accessing credit and protecting itself against risk, while remaining dependent on exactly the same source of financial security it had on day one: next month’s salary. Over time, investments have the potential to become a second source of financial security.