Affordable financial products and services play a crucial role in peopleโ€™s lives โ€” but access varies widely across Europe. New data show which economies are ahead, and which ones lag behind, in 2025.

What is โ€˜financial inclusionโ€™?

The World Bank defines financial inclusion as giving individuals and businesses access to useful and affordable financial products and services โ€” such as payments, savings, credit and insurance โ€” delivered in a responsible and sustainable way.

The Global Financial Inclusion Index, published by Principal Financial Group and the Centre for Economics and Business Research (Cebr), analyses 42 global markets across three pil

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