In the fight against poverty, achieving global access to financial services holds enormous potential. Even the poorest need tools to help maintain their daily needs, prepare for sudden adverse events like illness, and build assets to pull themselves out of poverty. ... Saving is the best tool both to reduce the risk of destitution and to increase wealth. Not long ago, conventional wisdom held that the poor cannot and do not save. Now, the imperative of formal savings services for the bottom of the pyramid is finally getting its well-deserved spotlight.