Small business owners in the floating market in Vietnam Floating Market by Thanh Hai Nguyen/2011 CGAP Photo Contest

Financial Inclusion Navigator

The Financial Inclusion Navigator is a participatory review process for funders of financial inclusion, facilitated by CGAP as a neutral external party. It is designed to generate insights into how funder operations advance financial inclusion effectively in the context of the Sustainable Development Goals and the complex and fast-evolving markets in which they intervene.  By participating in the Navigator, funders demonstrate their commitment to financial inclusion as well as an openness to learning.

The Navigator is based on the premise that funders’ internal management systems and processes influence the performance of their programs and investments. The Navigator engages funder management and staff to reflect, stimulate, structure, and monitor organizational change processes, and to test the coherence of a funder organizational set-up and strategic priorities. The output of the review process is a report identifying practices that enable and inhibit progress in supporting financial inclusion, with recommendations and ideas inspired from peers’ experiences. 

diagram outlining navigator priorities


Benefits to participating funders:  

  • Internal dialogue on effectiveness and impact in financial inclusion.  
  • Aligning staff around a common vision of financial inclusion. 
  • Exploring links between financial inclusion and strategic priorities and SDGs.
  • Concrete recommendations and discussions with senior management on financial inclusion.

Benefits to funder community:  

  • Insights on how different organizations advance financial inclusion priorities and address challenges, contributing to peer learning on effective organizational set-ups for advancing financial inclusion and maximizing impact.  
  • Promoting coordination amongst funders to effectively deal with common challenges.  

AFD Group and Luxembourg’s Ministry of Foreign Affairs (MFEA) are the first CGAP members to participate in the Navigator. The executive summaries from these reports, shared below, highlight key findings.

Please contact Carola Saba, Partnerships Advisor at, and Estelle Lahaye, Senior Financial Sector Specialist, at to learn more about the Navigator and to explore possibilities for your organization.

Related Resources


Development funders play a key role in advancing inclusive finance – they influence the dynamics of financial systems and transform the way they work to serve people living in poverty. Here, we share five actions funders can take to drive change.

USAID’s digital financial services (DFS) practice provides support to its country offices to integrate DFS into their program portfolios and strategies. How can this small technical team at headquarters influence a large, decentralized organization to prioritize DFS?

How can an organization build internal capacity around a cross-cutting development theme? This case study examines a thriving internal community of practice that is sharing good practices in financial inclusion and strengthening operations across AFD Group.

The Office for Gender Equality and Poverty Reduction Unit at JICA has found there is a gap between understanding the importance of financial inclusion in principle and knowing how to integrate it in one’s sector. To solve this, they are embedding financial inclusion within the agency through hybrid demonstration projects.

This case study illustrates how UNCDF established partnerships so that improved access to financial services helps turn temporary jobs created by climate-resilient investments into long-term opportunities for entrepreneurs in The Gambia.

Additional Resources


Explore CGAP's guidance on how to apply a systemic approach in funders programming. A systemic approach aims to catalyze systemic change that is significant in scale and sustainable and that comes with built-in momentum for replication and adaption, beyond the timeframe of a development program.

Building on the success of the first edition in 2018, the 2023 edition of Igniting SDG Progress Through Digital Financial Inclusion looks at evidence-based examples for the 13 global goals relevant to digital financial inclusion. This work is a collaboration between the Office of United Nations Secretary-General’s Special Advocate for Inclusive Finance for Development (UNSGSA Queen Máxima), Better Than Cash Alliance, the United Nations Capital Development Fund, CGAP and the World Bank. 

Can digital finance improve upon existing solutions and provide a better customer experience to make water, energy or other services that are essential for achieving the Sustainable Development Goals (SDGs) more widely available? These are some of the financial inclusion questions that CGAP is exploring.

We are focused on the ways financial services can help poor people, especially women, to do three things: generate income, access essential services, and protect basic standards of living. We believe that it is through improving access, usage and outcomes of financial services that women can realize economic empowerment.