The COVID-19 crisis has led to an acceleration in electronic payments of social protection benefits through individual bank accounts or mobile money. According to one global estimate, 80 million women opened accounts for the first time during the pandemic to receive government payments. Digital payments have long been seen as the first step towards improving people's financial inclusion and, by extension, their financial health.   In this episode, we discuss the idea of unbanked individuals gaining access to banking services and digital transactions, financial literacy, and savings options, and how this contributes to insurance, remittances, and other aspects. We also highlight the importance of careful and deliberate policy design to ensure that digital accounts can, in fact, open the door to greater financial inclusion instead of ending up as dead ends.  Our guests for this episode:  Dr. Moizza Binat Sarwar, Research Fellow, Equity and Social Policy, ODI  Astrid Devalon, Digital Financial Inclusion and Women's Economic Empowerment team lead, WFP   In the quick wins segment, Dominique Leska-See (Advisor for Digital Social Protection, GIZ) and Anita Mittal (Senior Advisor, Lead - Digital Convergence Initiative, GIZ) present the Digital Convergence Initiative for Universal Social Protection.  Resources: Webinar | Demand and supply perspectives on Digital Financial Inclusion and cash transfers: findings from a WFP study in the Asia-Pacific region  Publication | Is going digital the solution? Evidence from social protection Webinars | Talking interoperability - Dialogue Series  Publication | Digital Financial Inclusion and Women’s Economic Empowerment through Cash Transfers  Website | Digital Principles  Convergence Initiative Flyer