For two billion people around the world, every financial decision and transaction takes more time, costs more money, and requires more effort, planning, and patience than it should – and ultimately provides them with less benefit. These two billion people are cut off from the world’s formal financial markets, and their lives are so much harder because of it. What if we could change that? What if we could provide people with the tools, skills, and knowledge that they need to save, borrow, make payments, purchase insurance, develop credit histories, launch businesses, send their children to school, or receive healthcare? For 55 years, Accion has been striving to do just that, working to create a financially inclusive world, where everyone has the financial tools and services that they need to build better lives.