Greater financial inclusion for consumers and SMEs is a key policy area of the Bank of Russia and a strategic goal of Russian financial market development. The document ‘Priorities of the Financial Inclusion Programme of the Russian Federation for 2022–2024’ (hereinafter, the Priorities) follows and complements the Financial Inclusion Strategy of the Russian Federation for 2018–2020 (extended through 2021). It outlines the Bank of Russia’s initiatives intended to deliver on better financial inclusion objectives under the Russian Financial Market Development Program for 2022–2024 (English version is available) and create a favourable environment for high-quality financial products and services where demand for them, their range and the safety of their use are all growing, and businesses have more opportunities to attract debt and equity finance. While the Priorities are being implemented, it is essential that a balance is struck between the interests of all categories of consumers and businesses – both in digital and physical accessibility of financial services.