Grant proposals must include one or more of the following key sectors with the potential to expand access to financial services for the unbanked and under-banked:

Branchless banking:
Branchless banking refers to the delivery of financial services outside conventional bank branches, often using non bank retail agents and relying on information and communications technologies such as card-reading point-of-sale (POS) terminals or mobile phones for real time transaction processing.

Payments services:
Electronic payments infrastructure provides a platform for which all formal financial services can be delivered and promotes financial inclusion.

Savings:
Development of effective savings related products in terms of convenience, flexibility and cost, targeted at the lower income segments that encourages them to save.

Consumer Protection
Consumer protection must ensure fair and transparent financial services and should address, data privacy and security; disclosure of information (comparability of rates and terms); redress (efficient and accessible dispute settlement), and effective consumer education. Innovative consumer protection policies are tailored to the realities of inexperienced, low literacy consumers. 

Financial Capability/Education

Financial capability seeks to improve the knowledge of financial management for consumers and in turn increase the quality and quantity of their use of financial services.