Financial Inclusion in Action

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Can instant messenger disrupt the digital payments market in India?

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What’s up with WhatsApp? Have you ever wondered about the idea of sending anything other than photos, emojis, videos and web links through popular instant messenger (IM) apps to your friends? Have you ever wanted to send money to a friend instantly when she reminds you about the bill that you were supposed to split,… Continue reading

Top Blogs from 2016

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  Presenting MicroSave's top picks for the year. Do you see your favourite blog here? e-KYC and the India Stack – A Transformative Blueprint for Emerging Markets Billions of people around the world are required to meet know your customer (KYC) norms to avail of services considerably important to their lives. Yet, widely prevalent archaic… Continue reading

JAM – Using (Jan Dhan) Bank Accounts, Aadhaar and Mobiles to create new products and services, and new ways of doing things

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Jan Dhan Yojana, Aadhaar and Mobile or ‘JAM’ are creating a buzz in financial inclusion space, not only in India but across the world. JAM has been jamming newsrooms and social media after being coined in the Economic Survey 2015 and the Union Budget 2015.    The JAM trinity is seen as an important tool… Continue reading

Democratising Financial Services

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Sheetal, a 41 year-old widow, is a vegetable hawker and lives by herself in Mumbai. She wanted to expand her business by adding more stock and buying a new wheel-cart. She has a bank account, opened under the Prime Minister’s Jan Dhan Yojana. She could not avail credit from her bank for lack of any… Continue reading

e-KYC and the India Stack – A Transformative Blueprint for Emerging Markets

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A student newly admitted at Kenyatta University, Nairobi, wants a new mobile SIM, so she can talk to her parents back home in Eldoret. Her national identity card is used to establish her identity. A 32-year-old widow of a landless labourer in Bihar walks up to a Bank Mitr agent to open an account, so… Continue reading