Visa Foundation’s approach to financial inclusion

Globally, small and micro-businesses make up over 90% of all enterprises, yet they remain among the most vulnerable segments of the economy — especially those owned by women. Women-owned businesses account for about one-third of all small enterprises, and more than 70% lack adequate access to financial services. This persistent gender gap is compounded by structural inequities in access to capital, networks, and resources, leaving many of these enterprises unable to fully participate in or benefit from the global economy.

These inequities are further magnified by the economic fragility of small and micro-businesses, two-thirds of which face ongoing struggles for survival, with limited financial buffers and restricted opportunities for growth. Together, these conditions form a pressing need for targeted strategies — like Visa Foundation’s financial inclusion efforts — that aim to expand access, build capacity, and foster long-term resilience for the most underserved business owners.

Back to main page