At a critical time in the United States' history, this paper examines how polarised discussions on race, ethnicity, religion, immigration and gender stem from years of income inequality, geographic disparities, systemic racism and the rise of digital technology. The authors also propose policy solutions to chart Americans on a path towards national unity and reconciliation.

The Brookings Financial and Digital Inclusion Project (FDIP) employs 33 indicators to comparatively evaluate access to and usage of affordable financial services among people excluded from formal financial services across 21 countries: Afghanistan, Bangladesh, Brazil, Chile, Colombia, Ethiopia, India, Indonesia, Kenya, Malawi, Mexico, Nigeria, Pakistan, Peru, the Philippines, Rwanda, South Africa, Tanzania, Turkey, Uganda, and...