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Financial inclusion: an economic opportunity for all

Welcome to Spectrum – a sustainability focused newsletter that brings together insights from across our investment floor including our Responsibility Office and our stewardship business, EOS at Federated Hermes.

Despite considerable progress on reducing absolute global poverty over the last 20 years, worldwide, billions of people remain unbanked, uninsured and without assets or savings. In the midst of the global pandemic, those without access to formal financial services have suffered disproportionately.

This issue of Spectrum explores why financial inclusion should be an essential part of ‘building back better’, not just as a moral imperative, but as a significant economic opportunity which offers real benefits for society as a whole.

More Insights

Inflation and supply chain disruption: Impact on corporate sectors
Inflation and supply chain disruptions, along with the moderating pace of the post-pandemic earnings recovery, have made us more cautious on corporate fundamentals as we enter Q3 reporting season
Japanese employment: engaging for greater equality – an update
A year has passed since we published a note exploring the long-standing issues around the under-representation of women within the Japanese labour force.
SDG Engagement High Yield Credit commentary: Intesa Sanpaolo
As Italy’s leading financial institution, the Intesa San Paolo Group (Intesa San Paolo) serves 13.5 million Italian customers through its 4,300 branches.
Lessons from the EU: Development of the UK’s green taxonomy
The UK is in a strong position to leverage the significant effort that has gone into creating the EU Taxonomy, whilst adapting the framework to suit the UK market where necessary
Global Equity ESG Fund: H1 Report, 2021
We continue to focus on the transition to a more sustainable economy, which we view as an exceptional market opportunity as awareness grows of sustainability issues and opportunities.
Direct lending: how senior is your debt?
Private credit is broadly described as non-bank lending where the debt is not issued or traded on public markets.