Financial inclusion is the process of achieving the development goal, but not the goal itself. It involves availing the financial services of financial institutions like maintaining savings account, having insurance or taking formal credit. Some but not all financial products are effective in achieving goals like eliminating poverty. Savings account which is earmarked for specific purposes such as school fees have quite an impact, whereas microcredit has mixed impact on low earning individuals. There is a lack of evidence of a link between financial inclusion and macroeconomic growth indicators as against that at the micro level. Results of field experiments cannot be replicated across countries. As technology changes better ways can be devised to link micro level benefits to macroeconomic goals. Read more at : http://blogs.worldbank.org/allaboutfinance/what-do-we-know-about-link-between-financial-inclusion-and-inclusive-growth