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This episode examine the necessity and challenges of achieving financial inclusion for immigrants, asylum seekers, and undocumented persons across the globe. Sources focusing on the United States encourage financial institutions to adopt immigrant-friendly consumer banking practices by accepting alternative identification, such as Individual Taxpayer Identification Numbers (ITINs), to protect vulnerable populations from predatory services and build long-term economic stability. In contrast, documents discussing the European context detail how strict Anti-Money Laundering (AML) requirements frequently exclude undocumented migrants, creating severe social and financial barriers to accessing basic services. The European Banking Authority (EBA) assures institutions that European law is flexible enough to promote financial access for asylum seekers by accepting temporary official documents while mitigating risk through transaction monitoring. Furthermore, humanitarian organizations like the UNHCR are actively facilitating inclusion by delivering the majority of their cash assistance (over $700 million) via digital methods directly into recipients' bank and mobile money accounts.