The use of remittances and financial inclusion. A report by the International Fund for Agricultural Development and the World Bank Group to the G20 Global Partnership for Financial Inclusion. This article provides an overview of the relevant general trends in leveraging remittances as a means to enhance financial inclusion, and it underscores the importance of maximizing the economic impact of remittances towards sustainable development. It describes different patterns (domestic vs. international; circular settlement), the segmentation of utilization according to region of destination or origin, and the related behaviours in the utilization of remittance services. It also defines an analytical framework for understanding the instrumental role of remittances as a means to foster financial inclusion. While the extra demand for products and services helps develop local markets and supports businesses, expanding financial infrastructure provides access to services that are often not available in more remote urban or rural areas