The second, corresponding to use, refers to the consumption of financial services, which is the outcome of both supply and demand (Claessens, 2006). There is widespread recognition of the importance of empowering users to take advantage of the potential benefits of financial inclusion (Garcia and others, 2013, Roa and others, 2014). Equally important, however, are the capabilities of financial sector regulators and supervisors to promote an enabling environment for financial inclusion, and the capacities of financial service providers to identify market needs and design appropriate products (Arnold and Rhyne, 2016).