This paper envisions the future of microfinance, primarily by identifying the major factors that already are driving change in the industry and discussing the likely impact these forces will have on the shape of things to come. Some of these forces will propel microfinance forward, while others pose challenges to be overcome. We are on the path for microfinance to realize its grand vision of creating access to finance for all. The developments of the last decade allow us to fast forward ten years and see enormous and astounding advances.