 Hello, my name is Raul Morales-Rosendiz and I work at Sembla, the regional association of Latin America and Caribbean Central Banks. Together with my colleagues Milt Onvega and Gregorio Horazzo from Central Bank of Peru and Anaí Rodriguez from Sembla, we present this policy paper on payment aspects of financial inclusion in Latin America and the Caribbean, identifying progress, gaps and opportunities. As decade in response to a G20 global call, the central banking community adopted a new task to support the health of financial systems, that is, to promote a third and wide access to financial and payment services. Since then, financial inclusion has become an important objective for many emerging and developing economies' central banks. We believe that supporting inclusiveness in the financial and payment systems will certainly influence the central banking of the future, especially in times of disruptive financial technologies. Financial inclusion as a policy goal faces significant measurement challenges. This is explained, among other reasons, for having frail data and limited methodological tools. Notwithstanding, it is crucial to understand where the main gaps are and what opportunities they have so central banks and other authorities can best contribute toward greater financial access. We propose a new way to measure financial inclusion gaps and opportunities. Our work uses the CPMI and World Bank framework name payment aspects of financial inclusion. We try to assess how effective can be a financial inclusion strategy from seven different angles, from legal to market issues to key considerations on interoperable payment platforms and financial education as well. We develop an econometric logic model controlling by countries and the PAPI framework with data from nine countries of the region, resulting from a unique self-assessment methodology that we also suggest for this purpose. Our main contribution consists on how central banks can leverage the PAPI framework to self-assess their policy, regulatory and operational actions to support financial inclusion strategies from a payment systems perspective. In our model, we find for instance that whenever central banks have less control on strategy roles and actions and or the implementation horizon is longer, it becomes challenging to achieve financial inclusion goals. Moreover, we also demonstrate that regulatory and technological challenges are the most significant barriers. As such, our work can be used by central bankers and other relevant authorities to identify factors of success or barriers that should be considered in the design, attuning or deploying a financial exclusion strategy. We hope that your work is of your interest. Thank you very much.