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Fair Digital Finance Evaluation Framework

Principle 6: Inclusivity

Digital finance products and services seek to minimize barriers to access and use.


  • Products and services are designed to break down barriers experienced by communities traditionally excluded from the financial mainstream.
    • The company initiates or participates in meetings with stakeholders that represent, advocate on behalf of, or are members of communities traditionally excluded from the financial mainstream in order to explore their wants and needs and design products and services that meet those wants and needs.
    • Legally binding documentation is available in languages other then English.
    • Legal disclosures are available in the same language as marketing materials, including social media outreach.
    • Multiple options for documenting and verifying identity are supported.
    • The company commits to only use information shared to verify an individual’s identity for the sole purpose of verifying identity, and that this data will not be shared or used for any other purpose.
    • The company provides multiple pathways to approval (for account opening, credit approval, etc).
    • All fees, including maintenance fees, are shared with users in a clear and accessible way before an account has been created. These disclosures include and define any fees that could create a barrier to inclusion for the service.
    • Company commits to not charging personalized prices.
    • Whenever possible, positive transaction data is supplied to all three credit bureaus.
    • Whenever possible, transactions can be completed virtually/remotely.
    • When in-person transactions are necessary (e.g., depositing cash), multiple locations and channels are available (e.g., partnering with retail establishments).
    • The user interface was built and developed according to the industry’s best practices for accessibility.
  • Outcomes are comparable across demographics.
    • No disparate outcomes across potential user and user demographic groups, especially based on race, gender, sexual orientation, or socioeconomic class.