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Birkenmaier, J., Despard, M., Friedline, T., & Huang, J.  (2019, February 25). Financial Inclusion and Financial Access. Encyclopedia of Social Work. Retrieved 27 Nov. 2020, from https://oxfordre.com/socialwork/view/10.1093/acrefore/9780199975839.001.0001/acrefore-9780199975839-e-1331.