Financial Inclusion in Action

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Choosing An Agent Management Model

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One important question service providers have to ponder prior to entering the market is the agent hierarchy structure. Adopting a model which fits the market will save time, and money, and reduce stress levels for Senior Executives! The three models below illustrate the most common options available for service providers: The Direct Agent Hierarchy Model enables the… Continue reading

Understanding Complex Human Financial Behaviour: Alternative Approaches

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As we discussed in our earlier blog post, MetaMon project was an ambitious one. In the project we aspired to decipher the inherent thinking process that drives financial decision making of the poor. In MicroSave’s earlier research around financial lives, we realised that conversations about money often turn philosophical. This is because they revolve around… Continue reading

Can India Achieve Financial Inclusion Without the Mobile Network Operators?

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India is attempting to create financial inclusion using direct benefit transfers as the flywheel that turns the engine of an electronic payment system, the creating volumes and interoperability necessary for real financial inclusion. Currently volumes at rural agents are simply not adequate – resulting in very low commissions and debilitating levels of agent churn. Furthermore,… Continue reading