I helped shape parts of that architecture as deputy governor of the Central Bank of Nigeria, and I remain proud of it. Today’s financial system involves multiple institutions, but to the customer, it is one system. Every dormant account represents a data point the financial system reached, counted — and then lost. We solved the problem of getting people into the financial system. ADMore than one in five unbanked adults across developing economies tell the World Bank’s Global Findex that they stay outside the financial system because they do not trust financial institutions.