26th August 2025

Financial inclusion: investing for positive change

Imagine waking up tomorrow with no debit card, no banking app, and no safe way to send money to loved ones or securely store your savings. Imagine feeling unwanted by the financial system – overlooked and underserved. This is a daily reality for 1.3 billion adults worldwide who remain financially excluded, representing one of today’s most significant yet solvable social and economic challenges.

Baillie Gifford’s Positive Change Team sees financial inclusion as more than just ethically right – it’s a substantial long-term investment opportunity. In the past year alone, we've added three innovative companies to our portfolio specifically addressing this critical issue.

Investments, Investment Commentary

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