Our members gathered a large range of academics and experts with strong expertises not only in the field of financial services, but also with this specific perspective of inclusion. The EU single market should help Europe to become truly social in limiting as much as possible exclusion to essential good and services, necessary for a dignified life. The EU single market should concretely implement the European Pillar of Social Right, principle 20:”Everyone has the right to access essential services of good quality, including water, sanitation, energy, transport, financial services and digital communications. Support for access to such services shall be available for those in need.”