Enhancing Financial Innovation & Access (EFInA) is a financial sector development organisation that promotes financial inclusion in Nigeria. Established in late 2007, our vision is to be the leader in facilitating the emergence of an all-inclusive and growth-promoting financial system. EFInA is funded by the UK Government Foreign, Commonwealth & Development Office (FCDO) and the Bill & Melinda Gates Foundation. EFInA’s holistic approach to expanding access to financial services for all, especially for low-income households is based on the following four pillars: Research: The provision of credible market information on the Nigerian financial sector. Innovation: Through our Innovation Fund, we catalyze the development of innovative inclusive financial services for the unbanked and under-banked population in Nigeria. Advocacy: We advocate for the development and implementation of policies that create an enabling environment for financial inclusion. Capacity Building: Through workshops, study tours and fora, we stimulate discussions on pertinent issues in the financial sector and impart knowledge from organisations that have had success in developing new innovations and business models that drive financial inclusion