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Presenting findings from a qualitative survey, this book highlights opportunities and challenges in increasing the use of financial services by urban and rural households in Bhutan. Conducted in 2012 through focus group discussions and in-depth interviews, the survey of household financial practices and strategies was aimed at informing a government policy to expand financial inclusion. The volume explores how and why different demographic groups save, borrow, send remittances, and insure themselves-and what this suggests about financial services that could better meet their needs. It also looks at the potential for mobile phone banking and other innovations to extend financial inclusion.