Includes bibliographical references (pages 83-85).

Acknowledgments -- About the authors -- Abbreviations and acronyms -- Executive summary -- Key patterns in the use of financial services -- Key findings of the field research -- Introduction -- Financial service providers -- Financial literacy, financial inclusion, and consumer protection -- Formal and informal savings strategies -- Formal and informal lending -- Remittances, insurance, and technology -- Appendix A: focus group survey findings and good practices informing Bhutan's draft financial inclusion policy -- Appendix B: selected examples of financial inclusion strategies -- Appendix C: financial inclusion questionnaire in Bhutan living standard survey 2012 -- Appendix D: technical note on focus group survey in Bhutan -- Appendix E: field guide for focus group survey in Bhutan -- Appendix F: two successful community-driven savings initiatives -- Appendix G: summary of terms and conditions for formal and informal lending in Bhutan.