In 2011, only 22% of women held accounts, but by 2014 that rate that increased to 39% (CONAIF, 2016). Women are now at parity with men in the percentage holding bank accounts nationwide. A range of government agencies have addressed this issue by co-ordinating policies on financial inclusion, by modifying regulations to enable institutions to offer products and services to low-income populations (such as basic accounts, mobile banking, and simple account records), and by implementing programmes focused on increasing social inclusion (e.g., banking for social programme beneficiaries and those on government payroll). One important measure is the Integral Programme of Financial Inclusion (PROIFF, Programa Integral de Inclusion Financiera) offered by one of the federal development banks, the National Savings and Financial Services Bank (Banco de Ahorro Nacional y Servicios Financieros).