Migrant workers, are a unique client segment that interests financial service providers- specifically the digital financial service (DFS) providers. Though most of the DFS providers’ launch their DFS products and services with a remittance product, there is little understanding about what drives the remittance behaviour of migrant workers’ population. Furthermore, it has been difficult for DFS providers to nudge migrant workers to use a broader product suite they offer. This Note examines decision making context and behavioural aspects of the migrant workers. The Note concludes that DFS providers may use such insights while designing and promoting their money transfer products to ensure use of the entire product bouquet and compete with existing informal and semi-formal money transfer products and services.

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