Financial Inclusion in Action

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India Needs More Women Business Correspondent Agents

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The 2018 budget of the Government of India has taken a number of initiatives to empower women in the country. These include increased gas connections through subsidies to 80 million women under the Pradhan Mantri Ujjwala Yojana (from the earlier 50 million) and a 37% increase in loans to women Self-Help Groups (SHGs).  These initiatives… Continue reading

Indian DFS landscape is changing: Insights from State of the Agent Network India, 2017 (ANA) Wave II Research

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MicroSave recently published its ‘State of the Agent Network, India 2017’ report based on our Agent Network Accelerator (ANA) Wave II research. We conducted the research in 2017, based on a nationally representative sample of 3,048 business correspondent agents. The 2017 India report proposes a significant shift from Wave I in 2015.    The report… Continue reading

Enhancing Education Finance: A Perspective of the Financial Journey of Low- to Medium-Cost Private Primary Schools in Kenya

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The chatter and sounds of students playing in the school ground echoes in the distance. Peter, the school owner, looks at the children through his office window with pride. It seems like just the other day when he resigned from employment as a teacher to establish his own school. To finance the start-up, he used… Continue reading

Crafting a Visual Identity for MI4ID

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This is the story of how we created a visual identity for Market Insights for Innovation & Design (MI4ID). A signature approach to product development and innovation, MI4ID is the culmination of MicroSave’s two-decade journey to understand the lives of the low-income segment. The MI4ID logo embraces MicroSave’s heritage while highlighting MI4ID’s vision and values.… Continue reading

Catalysing Digital Financial Services Through School Fees Payments

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With a big smile on his face, Timothy can’t help but show his friends and family, the newest feature of his mobile phone. When people ask him the reason, he proudly says “You know what I have done using this? I have paid school fees for my daughter Jessy, right from the comfort of my… Continue reading

Myths Busted, New Evidence Generated: ANA India Wave II Study has a Lot to Tell – Stay Tuned

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As we gear up to unveil the second edition of MicroSave’s acclaimed Agent Network Accelerator (ANA) programme, here is a quick look into what ANA findings have in store for readers this year. The key themes of Wave II of ANA India include: prevalence of interoperability and its effects on agent viability; questions surrounding the… Continue reading

DFS Customer Development Opportunities in Nigeria

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Customer development is a fundamental requirement for any business. In digital financial services (DFS), we can view customer development as a journey that comprises customer discovery, customer captivation, and appropriating value. Customer discovery involves finding out about potential customers, and understanding whether existing solutions are able to meet their needs. Customer captivation entails continuously sustaining… Continue reading

Third-Party Agent Network Managers: The Missing Element in Indonesia’s DFS Sector

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This blog is second in the series on the key findings and recommendations of the recently concluded Agent Network Accelerator (ANA) Indonesia survey. It elaborates on one of the key recommendations of the ANA survey which is to allow third parties to set up and manage agent networks. The first blog “A First Look at… Continue reading

Is India Ready to Phase-out Subsidised Kerosene?

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    Kerosene is a distillate petroleum product that serves as a primary source of fuel for lighting and also used to start the wood or cow dung-fired stoves used for cooking by poor and marginal households in India. Subsidised kerosene is distributed to eligible beneficiaries through a network of agent-appointed Fair Price Shops (FPSs).… Continue reading

Chartbuster Fintech Blogs from our Library – 2017

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Readers and leaders! More than ever, the world is banking on fintech to accelerate the pace of financial inclusion at the base of the pyramid. Countries around the world have been working on aspects of digital identity, simplified user interfaces, and government–people partnerships to bring financial inclusion to the unbanked. In 2017, MicroSave published a… Continue reading