The UN Capital Development Fund’s (UNCDF) flagship Pacific Financial Inclusion Programme designed and supported projects to increase access to and usage of financial services for
Pacific Islanders. All interventions were designed in such a way that all stakeholders involved
were part of the solution.

UNCDF incentivised the development of:

• enabling policies and regulations,
• invested in financial literacy and
• boosted the design of innovative financial products that meet the needs of Pacific users.

UNCDF and its partners took bold risks to test solutions successfully deployed elsewhere in
the world in the comparatively smaller and dispersed Pacific markets. Risks that paid off,
and, incrementally, more and more people can use products that allow them to settle their bills,
transfers money, insure themselves and save for retirement.

Enabling policies and regulations are key for testing, scaling and the roll-out of digital financial services.