Resident representative of International Monetary Fund Armando Morales (right) with Former Governor of Central Bank of Kenya Njuguna Ndung’u (left) during a senior policy seminar on financial inclusion at Intercontinental hotel Nairobi. The seminar was told that financial inclusion is the key enabler to reducing poverty and boosting prosperity. However, according to Global Findex, 2015 more than two billion people worldwide don’t use formal financial services. March 22, 2016.