Financial Inclusion in Action

Read, Share, and Discuss

Competition in the Kenyan Digital Finance Market: Mobile Money (Part 1 of 3)

Header3c

There has been a great deal of international discourse on the topic of mobile money after Kenya’s successful implementation of M-PESA, and as we recently wrote, the success is increasingly shared by banks. This is a clear victory for Kenyan customers, who now have more options to choose from.  However it also means that the financial… Continue reading

Agriculture Finance Isn’t as Risky!

Header3c

Agriculture financing is a risky business for many financial institutions. Under its agriculture finance services, MicroSave works with financial institutions (FI) to develop appropriate products and a quality agriculture loan portfolio. Amhara Credit and Savings Institution (ACSI), a leading MFI in Ethiopia, with support of MicroSave grew its loan book from 1,300 loans to 36,000… Continue reading

Market Readiness for Mobile Money Interoperability

Header3c

Interoperability of mobile financial services potentially offers great benefits for the wider ecosystem. The value to consumers is obvious. This, in turn, leads to wider adoption; higher transaction volumes; greater velocity of money in the ecosystem; all of which are advantageous to service providers. It is now well established from both MicroSave’s Helix Institute of Digital Finance and CGAP studies that… Continue reading

Competition in Tanzania – Fact or Fable?

Header3c

Tanzania is often cited as a model competitive market in digital financial services (DFS) with the three major providers healthily competing against one another. However, the story is a bit more complicated than that, and to really understand market dynamics in Tanzania it helps to examine competition from a few angles, and on a more… Continue reading

Highlights from The Helix’s Agent Network Accelerator (ANA) Survey of Tanzania

Header3c

The Helix Institute of Digital Finance’s second Agent Network Accelerator (ANA) report based on a nationally representative survey of 2,052 agent networks in Tanzania, coupled with extensive qualitative interviews across the country, provides extraordinary insights into agent networks in Tanzania. The survey includes all providers offering agent banking or mobile money services, taking special interest in the country’s three… Continue reading

Mobile Money Agents in Uganda: Sprinting ahead, but the marathon’s not yet over

Header3c

With 50% of cash-in/cash-out agents conducting at least 30 transactions per day, it is evident that Uganda is one of the world’s leading digital finance markets. However, despite its impressive growth, many operational challenges still persist. The Helix Institute of Digital Finance’s ‘Agent Network Accelerator Survey: Uganda Country Report 2013’ (conducted by MicroSave and the Bill & Melinda Gates… Continue reading