Financial Inclusion
Large groups of people and small businesses still sit outside the formal financial system.
We help banks, telecom operators, fintechs, regulators and development partners design inclusion strategies and programmes that reach them with useful, affordable and sustainable financial services.
Why inclusion programmes fall short
Advisory for financial inclusion: strategies and programmes that bring unbanked and underserved people and small businesses into the formal financial system through wallets, agents, simple accounts, alternative-data credit and digitised savings groups.
Products are designed for banked customers and do not fit irregular incomes or small balances.
Access points such as branches and agents are too far away or too costly to run.
Accounts are opened but rarely used, so neither customers nor providers see the value.
How we help
We help banks, telecom operators, fintechs, regulators and development partners design inclusion strategies and programmes that reach them with useful, affordable and sustainable financial services.
Inclusion strategy
Target segments, priorities and the business case for serving underserved customers profitably.
Products for the underserved
Simple accounts, wallets, savings, micro-credit and micro-insurance designed around real needs.
Channels and agent networks
Agent, mobile and partner channels that bring services close to customers.
Alternative-data credit
Credit scoring with mobile, payment and transaction data for people without credit histories.
Savings group digitisation
Digitising village savings and loan associations and linking members to formal services.
Impact measurement
KPIs and frameworks to track usage, outcomes and commercial sustainability.
What you receive
Deliverables are tailored to the scope of each engagement.
- Inclusion strategy and business case
- Segment and needs analysis
- Product and channel design
- Programme blueprint and partner model
- KPI and impact framework
Our approach
Every engagement follows a clear path, scoped to what the client needs. Some clients bring us in for a single phase; others ask us to stay through launch.
- 01Diagnose
- 02Design
- 03Mobilise
- 04Launch & scale
Frequently asked questions
What is financial inclusion?
It means giving individuals and small businesses access to useful, affordable financial services such as payments, savings, credit and insurance, delivered responsibly and sustainably.
How does alternative-data credit scoring work?
It uses data such as mobile wallet activity, bill payments and transaction histories to assess people who have no formal credit record.
What are VSLAs, and why digitise them?
Village savings and loan associations are community groups that save and lend together. Digitising their records and payments improves safety and transparency, and can link members to formal financial services.
How can financial inclusion be commercially sustainable?
By keeping costs low through digital channels and agents, building products customers use often, and growing revenue from a wider relationship that includes payments, savings, credit and insurance.
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