The FinScope 2020 survey has revealed that access to formal financial services in Rwanda rose by 4 per cent to 93 per cent from 89 per cent in 2016, mainly driven by the rise in informal savings groups as well as the rise in mobile money services. However, the report highlighted low levels of formal banking due to affordability and other issues. Financial literacy expert Isaac Nkusi Zirimwabagabo joins CNBC Africa for more.