... June 2008 banking for billions: increasing access to financial services Financial Services Provision and Prevention of Financial Exclusion, European Commission, Directorate-General for Employment, ... unlikely, however, to be a panacea, as access to transaction services does not equate to access to full banking services In this report, we examine the financial inclusion story as it now stands, ... most limited access to financial services Access to banking and savings accounts, credit and insurance are essential for enabling economic activity The critical issue is how to extend financial...