Factors that affect demand include the difficulties in accessing financial services through traditional rural channels, the scarce and inadequate supply of available products, and the users' limited entrepreneurial and financial skills. This opens up the possibility of offering non-real-estate collateral, although progress in the creation of centralized registers is uneven. In addition, most countries are taking steps to digitize public transfers and payments, which reduces administrative costs and encourages the use of financial instruments. At the macro level, the five countries recognize that a comprehensive financial inclusion strategy requires the coordination of public policies that go beyond the regulation and supervision of the financial system, including monetary, financial, productive development, and rural and territorial development policies.