In two years, India’s story of financial inclusion has shifted from account opening to account usage. Supported by enabling technology and focused policy moves, India presents a clear example of how policy imperatives can drive the agenda of financial inclusion. 2017 was a positive shift from 2015. During this time, new models like payments banks have emerged, support systems have become better, use-cases have increased, while agent networks have strengthened to position themselves as delivery channels for various financial and non-financial
services. 

Released in February 2018, this report is based on a nationally representative sample of 3,048 agents. The Agent Network Accelerator (ANA) is a four-year research project implemented in 11 focus countries. MicroSave and the Helix Institute of Digital Finance have managed and conducted the project.