With more young people alive today than ever before, most of them in poor countries, the need to include youth in financial outreach has never been greater. The international development community, with its global agenda of financial inclusion, now fully recognizes the need to provide young people with financial services and education. But providing financial services to the youth market is more challenging than targeting adult market segments. Moreover, the financial sector lacks experience targeting and serving this changing and multifaceted population.

The purpose of this paper is to shed light on some of the challenges and opportunities faced by financial service providers, credit unions in particular, in providing savings integrated with financial education to youth.