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This report was written by a team rom CGAP and IFC. We are grateul that theIMF continues to conduct its annual Financial Access Survey.We are immensely appreciative o the thought partnership and review o Leora Klapper and Douglas Randall or Chapter IV, as well as or the preciousadvice o Marten Leijon and Scott Gaul. We also thank Nina Bilandzic andJasmina Glisovic or their work on Chapter III. Goran Amidzic and AlexanderMassara helped in analyzing the data rom the Financial Access Survey. CamiloTellez and Michael McCord provided the content and reviewed boxes onbranchless banking and microinsurance—thank you.We greatly value the careul review and insights provided by JeanetteThomas, Timothy Lyman, Peer Stein, Peter Wrede, and Vijayasekar Kalavakonda.Anna Nunan edited the report.Finally, the support o our partners is indispensable. This report wasproduced with the nancial support rom the Netherlands’ Ministry o Foreign Aairs to IFC and rom AusAid to CGAP.