seeks catalytic opportunities to accelerate financial access to the unserved. As part of this focus, PRFI is responsible for setting up the Smart Campaign, in response to negative microfinance practices that indicated the mistreatment of clients in certain markets. The network is made up of the CEO working group, that meet quarterly and several subcommittee working groups dedicated to communications, social performance, digital financial services, and legal and human resources issues..... European Microfinance Network The European Microfinance Network (EMN) was established in response to many legal and political obstacles affecting the microfinance sector in Europe. The Network is involved in advocacy on a wide range of issues related to microfinance, micro-enterprises, social and financial exclusion, self-employment and employment creation. Its main activity is the organisation of its annual conference, which has taken place each year since 2004. The EMN has a wide network of over 100 members. Microfinance Centre The Microfinance Centre (MFC) has a membership of over 100 organisations, and is particularly strong in Eastern Europe, the Balkans and Central Asia. Africa Microfinance Network (AFMIN) The Africa Microfinance Network (AFMIN) is an association of microfinance networks in Africa resulting from an initiative led by African microfinance practitioners to create and/or strengthen country-level microfinance networks for the purpose of establishing shared performance standards, institutional capacity and policy change. AFMIN was formally launched in November 2000 and has established its secretariat in Abidjan (Republic of Côte d'Ivoire), where AFMIN is legally recognized as an international Non-Governmental Organisation pursuant to Ivorian laws. Because of the political unrest in Côte d'Ivoire, AFMIN temporarily relocated its office to Cotonou in Benin. Inclusive financial systems The microcredit movement that began in the 1970s has emerged and morphed into a 'financial systems' approach for creating universal financial inclusion. While Grameen model of delivering small credit achieved a great deal, especially in urban and near-urban areas and with entrepreneurial families, its progress in delivering financial services in less densely populated rural areas was slow; creating the need for many and multiple models to emerge across the globe. The terms have evolved from Microcredit, to Microfinance, and now Financial Inclusion. Specialized microfinance institutions (MFIs) continue to expand their services, collaborating and competing with banks, credit unions, mobile money, and other informal and formal member owned institutions. The new financial systems approach pragmatically acknowledges the richness of centuries of microfinance history and the immense diversity of institutions serving poor