The United Arab Emirates (UAE) has solidified its position as a global frontrunner in financial inclusion, driven by a robust digital transformation and strategic policy initiatives. According to the 2025 Global Financial Inclusion Index (GFII), the UAE achieved the most significant global improvement in the ‘financial-system support’ pillar, climbing five places with a 1.9-point score increase. This progress underscores the nation’s commitment to fostering a digitally inclusive financial ecosystem. The UAE also saw a remarkable leap in fintech development, rising seven spots to 14th globally, with over 320 fintech firms collectively valued at more than $3 billion. These advancements are bolstered by the UAE’s Digital Economy Strategy 2022, which has catalyzed innovation and accessibility in financial services. Access to capital surged by 16.6 points, reflecting strong momentum in SME growth and private-sector confidence. Additionally, the UAE ranks 4th globally in consumer protection, up 6.9 points, and 6th in government-provided financial education. The World Bank reports that 84.56% of UAE adults had formal financial accounts in 2021, well above the global average of 66%. The UAE Ministry of Finance and the Central Bank of the UAE (CBUAE) have jointly launched the National Financial Inclusion Strategy and National Financial Literacy Strategy, following a May 2025 policy forum in Abu Dhabi. Kamal Bhatia, President & CEO of Principal Asset Management, emphasized that the UAE’s progress transcends digital access, empowering individuals and businesses to build stronger financial futures. Pushpin Singh, Managing Economist at Cebr, highlighted the UAE’s real economic benefits, with access-to-capital scores jumping 16.6 points. Despite these strides, challenges remain, including ensuring meaningful economic participation among lower-income households and women. The UAE’s financial inclusion journey has evolved from ‘banking the unbanked’ to leveraging digital fintech platforms, regulatory frameworks, and literacy programmes to build a resilient, diversified, and inclusive economy.