The Financial Inclusion Action Plan (FIAP)

Status: Completed July 2019

The Financial Inclusion Action Plan (FIAP) program, led by Good Shepherd Microfinance on behalf of the Australian Government in partnership with CSI and EY, aims to increase financial inclusion and resilience in Australia through enabling participating organisations (FIAP Trailblazers) to take action.

CSI is leading the evaluation of the FIAP program. The FIAP evaluation includes:

  • Impact Evaluation: To measure progress against the intended short, medium, long term outcomes and impact of the FIAP program. This includes building a FIAP Baseline and Indicator Bank, to understand where we are now, in order to measure the progress made by the FIAP program into the future.
  • Process Evaluation: To understand what is working (or not working), for whom and why; to identify potential challenges that may need to be addressed and opportunities to enhance future phases of the program.

In the lead-up to the completion of Phase One of the FIAP program, the focus of CSI’s evaluation was on establishing the FIAP baseline, identifying preliminary outcomes that occurred in the first year of launching 12 Foundation FIAPs (while recognising that FIAP is a long-term program), and ascertaining challenges and lessons in the establishment and early implementation of FIAP. The evaluation of Phase One of the program shows there are many early positive outcomes.

The final evaluation report from Phase One is available here: Process and Baseline Impact Evaluation (Mar 2018)

The final evaluation report from Phase Two is available here: Final Transition Evaluation (June 2019)

This report is the second evaluation report related to the FIAP program. The purpose is to investigate short-term outcomes of the FIAP program at the end of the transition phase, which ran from July 2018 to June 2019.

In this report we provide an update on key indicators at the national population level and at the FIAP organisational level, in order to measure progress against FIAP’s intended outcomes (as documented in the theory of change).

The FIAP evaluation was conducted using a mixed method approach including:

» Secondary data analysis of population data to measure change at a national level

» Survey data from FIAP partner organisations to measure outputs and short-term change occurring among FIAP partners.

Previous reports:

Evaluation Framework Part I: FIAP Concepts and Population Baseline ( Nov 2016)

Evaluation Framework Part II: Measuring the FIAP Impact  (Mar 2017)

About the FIAP program: Demonstrating that realising greater financial inclusion and resilience is not the responsibility of any one sector, Trailblazers (participating organisations) represent financial services; utilities; government; education, legal and social services, amongst others. The 30 Trailblazers who have joined Phase One of the program have significant influence - together they employ over 250,000 people, service almost 80 percent of the Australian economy and represent 7 of the ASX Top 50 Companies.

Together these organisations have committed 580+ actions including more user-centred product design and delivery; financial capability-building and training; policies and processes to better understand and support vulnerable groups; collaboration and partnerships for collective action; and shared research, advocacy and evaluation. You can read more about the FIAP program at


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