While such a transactional medium may benefit from better transmission vehicles (cell phones and correspondent banks), accounts do not appear to be a product linked to savings or loan decisions. The limited use of financial products and services is more acute among citizens who belong to the poorest 40% and those who live in rural areas. In Costa Rica —which Jose Antonio Vasquez Rivera, Melvin Bermudez, Ronald Rojas, and Jose Antonio Vasquez Castro consider in chapter III— despite relatively high levels of access to financial services and the existence of various initiatives to promote inclusion, it was not until 2016 that the intention to adopt a comprehensive strategy was announced, under the leadership of the Central Bank of Costa Rica, with technical support from the Alliance for Financial Inclusion. As a result, the Financial Inclusion Facilitation Act came into force in 2015, and specialized financial inclusion units were created both within the Central Reserve Bank and the Superintendency of the Financial System.