There are many financial services and products on offer and the young people surveyed have access to a number of these. More than half (51%) of young people in the survey have a bank account, 44% used mobile money, 43% used electronic payments, and 30% received transaction history and payment statistics - but they also say that they prefer not to use most financial services and products. Young people tell us it is because what is available does not meet their needs, mainly by being too costly and too far away. In many cases young people perceive the mix of barriers to be too high to even contemplate accessing and using what is on offer.