The UA2P Index is underpinned by the belief that every citizen should have universal access to payments. Whoever they are, wherever they are, they should be able to safely and conveniently receive and make payments, store and access their money. Businesses should also be able to accept payments in a secure and cost effective manner. This ensures that the pace of technological change, i.e. the rise of digital payments and automation, does not leave anyone behind. People should not be hindered in carrying out their financial lives. For some people this will involve using mobile payments and digital services, while for others it will be using cash and face-to-face options.