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Access to financial services is one of the most pressing issues of the modern days. In theory, the modern financial system provides a lot of opportunities and financial services, such as bank accounts, savings, credit, investment products, etc, but in reality larger populace of even most countries do not have access even to the very basic financial services. Investment is even worse in terms of accessibility.
Traditional finance, unfortunately, can do very little to solve this issue. For example, in the United Kingdom, financial inclusivity is one of the main priorities for the House of Commons Treasury Committee, but in its annual reports the committee admits that the existing situation is not really improving. Regulatory and banks interests don’t allow much to be done outside of direct government sponsorship of very limited programs. Obviously, such programs