Financial inclusion means that everyone – regardless of socioeconomic status or other demographic factors – can access affordable and responsible financial services, including savings, credit, loans and more. When individuals do not qualify for or have access to mainstream financial services, it deepens their dependence on predatory financial services providers, such as payday lenders, that ultimately entrap them in a destructive financial cycle. Because QCash uses a relational underwriting algorithm rather than credit score, your credit union can put small-dollar loans within reach for even the most vulnerable members.