MSC helped Airtel Tanzania design a pilot for a deferred payments solution to enable users to schedule future payments and savings through mobile money. The deferred payments functionality gives users the option to manage their funds in sync with their goals and aspirations. It allows users to park their funds in different sub-accounts to mature at a future date. Hence, besides making payments, users of this service can plan their savings and payments by sending funds on future dates.
MSC identified suitable agri-value chains for the pilot, developed a user interface integrated with Airtel’s platform, assessed resource needs, and created a comprehensive pilot plan with timelines and key performance indicators. This initiative sought to enhance financial planning capabilities for underserved populations.

Financial Sector Deepening Trust, Tanzania, commissioned the project.

The Hunger Safety Net Program (HSNP) is a pilot project to distribute cash payments to 69,000 beneficiaries in the most remote parts of northern Kenya. The objective of HSNP was to reduce poverty, hunger, and vulnerability in northern Kenya, which would result in better and more sustainable safety.

MSC conducted research for the Hunger Safety Net Program (HSNP) in northern Kenya to assess the feasibility of mobile payments and secure payment mechanisms for beneficiaries. We met financial institutions, technology providers, and stakeholders to explore payment options and authentication methods.

The research included market assessments with the HSNP’s clients in northeastern and northern Kenya and with implementation partners. We assessed their payment mechanism preferences. MSC’s recommendations helped HSNP refine the payment approach and identify the best authentication methods for the program.

Financial Sector Deepening, Kenya, commissioned the project.

MSC led an access to finance intervention with the Central Bank of Papua New Guinea to build the country’s microfinance sector. The four-year-long intensive engagement led to the design of a policy and regulatory framework, created institutional infrastructure and delivery channels, established performance standards, and improved financial capability of clients. The country had effectively launched its first national financial inclusion strategy by the project’s third year.

Our work redefined policy and regulatory framework for micro banks and SLS: SLS Act, prudential standards, On-site and Off-site risk-based supervision framework. Institutionalised Gender Action Plan: Inclusive policy structure, focusing on gender issues, to enable gender sensitive product development

The Asian Development Bank (ADB) and the Department of Foreign Affairs and Trade (DFAT) commissioned this project.

The Reserve Bank of Fiji (RBF) is Fiji’s central bank. It works to enhance the resilience, efficiency, and inclusiveness of Fiji’s payment system and support the broader goals of financial stability and economic development. MSC was onboarded to provide the RBF with the expertise to review, update, and strengthen the regulatory and supervisory framework that governed Fiji’s payment system industry.

MSC supported the RBF in the following areas:

1. Preparation of licensing requirements: We developed clear and comprehensive licensing requirements for payment system operators (PSOs), payment initiation services (PIS), and account issuance services (AIS). We also drafted guidelines for ongoing compliance and renewal, which emphasized integrity and operational standards.

2. Development of payment system supervisory framework: MSC created a supervisory framework, which included offsite monitoring with quantitative benchmarks and onsite inspections.

3. Development of regulations and supervision policy statements: We outlined a guide to draft regulations and policy statements that define the standards and expectations for the operation and supervision of PSOs and PSPs. The RBF would use the feedback to revise its licensing and supervisory manuals. The assignment was expected to align the regulations in Fiji with global standards.

The Asian Development Bank (ADB) commissioned the project.

 

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.

 

AgriStack is India’s digital public infrastructure (DPI) designed to transform the agriculture ecosystem by establishing interoperable digital platforms that integrate farmers, government systems, and markets. At its core, AgriStack includes the Farmer Registry, Digital Crop Survey (DCS), and Metadata & Data Standards (MDDS) for agriculture. MSC helped design and implement these key registries. These systems comprise the foundational digital layer that links verified farmer identities, land records, crop production data, and market transactions that enable data interoperability and more accurate, farmer-centric decision-making.

As part of this DPI, India has already issued more than 61 million digital farmer IDs across 14 states.These IDs connect to land records, crop data, livestock ownership, and benefits, such as credit and insurance, which brings unprecedented scope and scale to digital agriculture governance.

MSC’s work conceptualizes interoperable data structures and metadata standards. We boost the government’s capability to deliver targeted interventions, enhance market access, and catalyze AgriTech innovation. The systems we helped build underpin seamless data exchange, which ranges from subsidy delivery to KCC issuance. These tools help establish the backbone for scalable, inclusive agriculture transformation across India.

The Gates Foundation commissioned this project.