In this episode, host Julia Streets is joined by Dr Rajiv Prabhakar, Senior Lecturer in Personal Finance at the Open University and Sian Williams, previously Director of Policy and Innovation at Toynbee Hall, now the new CEO of Switchback. Together they look at the financial inclusion going mainstream, and the persistent problems those on low incomes face, particularly, access to wealth. They discuss the importance of financial education and why for some, cash is the safest budgeting tool. Together they navigate the path to inclusion which incorporates a customer duty from the financial services industry, to create financially inclusive products, resources and services.