While digital transformation has been an indisputable success in terms of pushing forward financial inclusion across the country, Bangko Sentral ng Pilipinas (BSP) data reveals a complex challenge: nearly half of Filipino adults remain outside the formal financial system. From dissecting why financial access is only half the battle, to the integration of financial modules in K-12 and technical-vocational schooling, this In-Depth issue examines how the BSP and its partners are moving the country towards true empowerment.