On 26 August 2020, United Nations Secretary-General António Guterres, together with Co-Chairs Achim Steiner and Maria Ramos, launched the report of the Task Force, People’s Money: Harnessing Digitalization to Finance a Sustainable Future. The Task Force was established by the Secretary General as part of his broader Roadmap for Financing the 2030 Agenda for Sustainable Development: 2019-2021. Its mandate: to catalyse and recommend ways to harness digital financing to accelerate the financing of the Sustainable Development Goals. It brought together 17 leaders from finance, technology, policy, regulation and international development, who through their work together, engaged in dozens of countries and with hundreds of experts and institutions over an 18 month period. The Task Force’s findings point to digital disruption as an historic opportunity to reshape finance. Digitalization can have a transformative impact by empowering people as savers, lenders, borrowers, investors, and taxpayers. The Task Force has focused on how digitalization can support the development of a citizen-centric financial system that supports peoples’ priorities, collectively represented by the SDGs. The report illustrates, through case examples and data, how digitalization has the potential to reshape the flows of large amounts of finance towards SDG impacts and alignment through more and better data, cheaper intermediation and innovative new business models. Executive summary -- Section 1 -- Introduction -- An Historic Opportunity -- The Task Force and this Report -- Section 2 -- Digital financing of the SDGs -- Digitalization and Finance -- Avoid disproportionate, discriminatory or excessive use of criminal law -- Fundamentals of Digital Financing -- Digital Financing -- Digitalization, Financing and Sustainable Development -- The Financing Gap -- Today’s Digital Financing of the SDGs -- Digital Financing for Every SDGs -- Citizens, Digitalization and Financing the SDGs -- Challenging Digital Financing Futures -- Uncertain Futures -- Barriers and Risks -- Section 3 -- Action agenda -- Call to Action -- Shaping Digital Financing Futures 45 7.2 Action Agenda 46 8 Catalytic Opportunities -- Channel Domestic Savings into Development Financing -- Enhance Financing for Small and Medium-Sized Businesses -- reate ‘Virtuous Trust Cycles’ in Public Financing -- Embed SDG Data into Financial and Capital Markets -- Encourage Sustainable Consumption -- Building Sustainable Digital Financing Ecosystems -- People-Centric Digital Infrastructure, ID and Data -- Institutions for Integrating SDGs into Digital Financing -- Developing Capability -- Inclusive International Governance -- Next Steps 75 11.1 Implementing the Action Agenda -- Epilogue.