The government rightly included consumer and lived-experience voices in the development of the Strategy. However, the process did not sufficiently guard against industry voices carrying greater influence, particularly in sub-committees and implementation discussions. Evidence that the main Committee met only briefly before publication, and that detailed work took place outside it, raises questions about whether consumer representatives had sufficient opportunity to shape the Strategy. We welcome increases in the number of consumer representatives on the Financial Inclusion Committee, but numbers alone do not answer the concerns raised by witnesses, particularly where detailed work took place in sub-committees or outside the main Committee. Consumer, civil society and lived- experience voices must have a clear and continuing role in shaping delivery. (Conclusion, Paragraph 45)