Financial Inclusion means that individuals and businesses have access to useful and affordable financial products and services that meet their needs delivered in a responsible and sustainable way.

Financial inclusion addresses issues related to the accessibility, usage and quality of financial services and products. In 2016 the CBS and Financial Services Authority (FSA) collaborated on the Financial Literacy Baseline Survey so as to better understand the perceptions and behaviour of individuals in relation to financial services and products. As per the survey, Seychelles prospers from a highly banked population of 94%, the highest reported in Sub-Saharan Africa. Access to financial services and products in the banking sector is therefore not a key concern in regards to financial inclusion. Alternatively, the CBS has focused on improving the usage and quality of financial services. This is being achieved through efforts to fortify consumer trust in the financial system and driven by the introduction of the Financial Consumer Protection Act (FCPA) and relevant by-laws.

Furthermore, the CBS through the National Financial Education Strategy envisages future generations who are well versed in financial services and products and thus adequately prepared to make optimal use of the financial system. Responsible usage of financial products also features as a key concern of the CBS with the Credit Information System (CIS) being made operational since 2014. Enhancing the payments landscape through the modernisation of the national payments infrastructure, complemented by a strategy for electronic payments and financial technologies is the next step to bringing forth a fully-fledged digital economy.