A/RES/74/205 Financial inclusion for sustainable development financial and digital literacy and effective consumer protection for the poorest and most vulnerable, including for women, young people, rural residents and migrants; 10. Also acknowledges the efforts and actions on financial inclusion for sustainable development undertaken by a wide range of stakeholders working in partnership, such as the Alliance for Financial Inclusion, the Bette r Than Cash Alliance, the Special Advocate of the Secretary-General for Inclusive Finance for Development and the Group of 20 Global Partnership for Financial Inclusion, urges them to engage in an inclusive and transparent manner with Member States in thei r work, in order to ensure that their initiatives complement or strengthen the United Nations system, including the United Nations Capital Development Fund and the regional commissions, and encourages enhanced coordination and cooperation with the Inter-Agency Task Force on Financing for Development; 11. Encourages the international community, including Member States, and all relevant stakeholders, including the entities of the United Nations system, international financial institutions, other intergovernmental bodies, regional and national development banks, domestic financial institutions, credit unions, multi-stakeholder partnerships and relevant non-governmental organizations, as appropriate, to further develop financial literacy and financial educatio n programmes that include an emphasis on the impact of finance on sustainable development, as appropriate, in order to ensure that all learners acquire the knowledge and skills needed to access financial services, in particular women and girls, farmers and those working in micro-, small and medium-sized enterprises; 12. Encourages Member States and all relevant stakeholders, as appropriate, in the context of a renewed and strengthened Global Partnership for Sustainable Development, led by Governments, to further efforts to reduce the transaction costs of migrant remittances to less than 3 per cent by 2030 and eliminate remittance corridors with costs higher than 5 per cent by 2030, considering that there was no improvement in 2018 and that the global average is still about 7 per cent, to support national authorities in addressing the most significant obstacles to the continued flow of remittances, such as the trend of banks withdrawing services, and to work towards expanding access to and the volume of remittances through regulated and transparent channels, and in this regard highlights the potential of financial technology services to offer alternative channels and reduce remittance costs; 13. Looks forward to the continuing consideration of financial inclusion in the forthcoming reports of the Inter-Agency Task Force on financing for sustainable development, as appropriate and in accordance with existing mandates, as well as in the annual report of the Secretary-General on progress towards the achievement of the Sustainable Development Goals, and to the further consideration of financial inclusion for sustainable development at the 2020 Economic and Social Council forum on financing for development follow-up; 14. Reaffirms the commitment at the very heart of the 2030 Agenda for Sustainable Development to leave no one behind and commit to taking more tangible steps to support people in vulnerable situations and the most vulnerable countries and to reach the furthest behind first; 15. Decides to include in the provisional agenda of its seventy-sixth session, under the item entitled “Macroeconomic policy questions”, the sub-item entitled “Financial inclusion for sustainable development”. 52nd plenary meeting 19 December 2019 4/4 19-22418