This is a presentation on financial inclusion foundations having the following contents.

1. Who are financially included?
2. Who are the excluded?
3. Why do we care about financial inclusion?
4. Goals of this research.
5. Ownership of Formal Accounts.
6. Formal Account Ownership, by Individual Characteristics.
7. The Use of Accounts for Saving.
8. Financial Inclusion and GDP per Capita.
9. The Heterogeneous Relationship with Income.