In previous chapters we have seen that financial sector development has a strong influence on growth rates, which in turn are likely to result in reductions in poverty levels. We have also seen that there is not one single financial sector model that produces these outcomes: financial systems may facilitate sustained economic growth and development whether they are predominantly ‘bank-based’ (as in Germany and Japan) or ‘market-based’ (as in the UK and USA). Similarly, while either of these frameworks can produce these outcomes, it is equally true that neither is guaranteed to do so. Success, it seems, is not a matter of following a particular dogma.