Diagnostic assessment of digital financial services (DFS) usage in Bangladesh region

• Sep 10, 2025
• 2 min

Bangladesh Financial Intelligence Unit (BFIU) sought to use a data-driven approach to generate actionable insights and strengthen the national digital finance strategy.
MSC conducted a comprehensive diagnostic study that examined usage patterns and customer behavior across demographic segments. The team used advanced analytical techniques, such as cluster segmentation and supervised learning models, to assess users. We also applied bivariate analysis to uncover correlations between DFS usage and demographic factors. MSC used behavioral analytics to generate intuitive visualizations of usage patterns and public sentiment. We defined key performance indicators, managed data quality, and synthesized insights into strategic policy recommendations.

The study generated robust evidence to refine inclusive DFS policies and provided the BFIU with targeted insights for policy action. It also laid the foundation for stronger, evidence-based decision-making to improve DFS uptake among Bangladesh’s underserved communities.

Bangladesh Financial Intelligence Unit (BFIU) commissioned the project with support from the International Finance Corporation (IFC). Optimizing loan referral services through an analysis of BRI female agents in Indonesia
Bank Rakyat Indonesia (BRI) sought to improve the performance of its female agent network to deliver loan referral services. A key component of this effort was to understand the drivers and barriers that affect agent productivity and address disparities in performance across different regions.

MSC led a comprehensive data analytics initiative that included detailed regression modeling, rigorous data cleaning, and advanced agent segmentation. The study focused on how to identify regional patterns in agent performance and pinpoint the specific factors that influence the uptake of loan referral services.We provided strategic recommendations customized to regional contexts and performance levels based on these insights.

The project delivered actionable evidence that helped BRI understand regional disparities and individual agent performance drivers. These insights enabled the design of more targeted interventions and enhanced overall agent effectiveness, improved loan referral outcomes, and strengthened BRI’s capacity to scale inclusive financial services through its female agent network.

Bank Rakyat Indonesia (BRI) commissioned this project.