Banking on Change, a partnership between Barclays Bank, CARE UK and Plan UK was established in 2009 to deliver a savings-led microfinance programme with the aim of improving the financial inclusion of people in 11 countries across Africa, Asia and South America. Using a savings led microfinance methodology, BoC Change mobilised individuals into savings groups so they could save regularly, and in turn borrow small amounts at a fair rate of interest. [89 pages]