Millions of lower-income consumers lack access to high-quality financial products and services that simultaneously meet their short-term needs and prepare them for long-term financial success. Dramatic changes in technology, demography and the structure of the financial services industry provide new opportunities to reach these un- and underbanked consumers. This brief, prepared by the Center for Financial Services Innovation in partnership with the Asset Funders Network, provides background on the changing financial services landscape and guidance to foundations looking for opportunities to get involved.