However, significant gaps have been equally evident in how climate change actions in these programs are prioritised for financing that is essential for implementation.The global climate financing agencies often create artificial divisions between climate change and development. This is especially the case for climate adaptation where “climate rationale” in the case of GCF seriously hampers the ability to direct resources to address the impacts of climate change. It is crucial that climate financing decisions acknowledge the seamlessness of climate adaptation and development even as climate rationale is reasonably pursued in validating finance flows to address the impacts of climate change. Local/sector context is crucial to climate vulnerability/resilience assessment.