Financial Inclusion

     "Financial inclusion means that individuals and businesses have access to useful and affordable financial products and services that meet their needs – transactions, payments, savings, credit and insurance – delivered in a responsible and sustainable way."

     Financial Inclusion - "the pursuit of making financial services accessible at affordable costs to all individuals and businesses, irrespective of net worth and size respectively. Financial inclusion strives to address and proffer solutions to the constraints that exclude people from participating in the financial sector."


EarnedCard is helping to bring financial inclusion to the 100 million people in the US who have no credit score, a thin credit file, or a poor credit (FICO) score.


The EarnedCard converts everyday debit card transactions to credit card activity that is reported to the 3 major credit bureaus.  We believe this will help improve credit scores and hence lower the cost of borrowing for our customers.

     U.S. must prioritize financial inclusion 

     The Baltimore Sun, December 6, 2016


     “Financial inclusion must become a national priority. The Wall Street bailout reminded Americans that insured banks serve a critical economic function. What remains undefined is how those institutions should serve the citizenry that shored them up when they were in trouble. A requirement that insured banks set specific goals to bring the financially excluded into the banking mainstream — along with an annual progress evaluation — is one way to increase access.”

     “But there's something that all Americans need to understand about financial inclusion: It is intertwined with monetary policy. Fringe banking's negative micro- and macroeconomic repercussions affect economic growth and stability for everyone. An inclusive economy creates equal economic opportunity and, subsequently, economic growth.”