Financial inclusion means access to financial services such as payments, savings, credit and insurance. Due to the role that access and the use of financial services have in the everyday life of individuals, as well as their impact on the stability and efficiency of financial system, achieving greater financial inclusion has become an important goal in the growing number of countries. The role of the policies is to reduce the barriers that impact the accessibility of financial services. In order to achieve greater financial inclusion, governments develop strategies which are based on data regarding the financial access barriers. The role of private sector in achieving financial inclusion is to provide inovation that would make financial services more accessible and cheaper. The subject of this paper is the significance of financial inclusion for the population and the stability of financial system, as well as the role of the government and the private sector in reducing the barriers that impact financial inclusion. The purpose of this paper is to demonstrate the impact which financial services inovation, as well as the introduction of digital currencies, could have on barriers to financial access.