This publication outlines a methodology for the design, testing, and implementation of central bank digital currencies (CBDCs) to advance financial inclusion. As an increasing number of central banks around the world explore this novel form of financial infrastructure, this paper focuses on the potential of CBDCs to address key access and price barriers in developing and emerging economies. CBDCs, especially retail ones, can offer unique opportunities for enhancing financial services accessibility, affordability, and usability for unserved and underserved populations, if implemented responsibly through a structured, inclusive and user-centric approach.