These broadly include: The type of work they obtain or are excluded from; The availability of support services such as childcare; their pay, benefits, and conditions of work; the insecurity of their jobs or enterprises; their access to vocational training; the availability of and access to appropriate financial services; the pricing of credit to cope with emergencies; specifically designed safety nets that are customised to their needs; and reliable insurance with flexible terms and affordable premiums. India's flagship financial inclusion programme has significantly changed the demographics. India is now at a tipping point, with sharply narrowing gender gaps in financial access. According to the World Bank's Global Findex Survey (2017) 80 per cent of Indian adults now have a bank account — 27 points higher than the 53 per cent estimated in the Findex 2014 round. Findex 2017 estimates that 77 per cent of Indian women now own a bank account against the respective 43 per cent and 26 per cent in 2014 and 2011.