Alphina Jos

CEO at BWDA Finance Limited, Villupuram, Tamil Nadu

Experienced Deputy Chief Executive Officer with a demonstrated history of working in the financial services industry. Alphina worked at MSC as an analyst from August 2010 till March 2013.

Posts by Alphina Jos

Can money buy you happiness?

This report investigates how low income working age respondents think of old age and how they prepare for it. While many know that they can no longer rely on the extended family, few are able to prioritize old age provisioning.

Making the Business Correspondent (BC) model work for Self-Help Groups (SHGs)

This case study highlights the SHG-BC model, how the model can be further improved, and factors that contributed to the success of the model.

Implementing a Bank Supervised Agent Network

In this Note, we explore how banks can potentially address challenges associated with pursuing a “bank managed/supervised” approach to agent networks in the business correspondent model

Bank Managed Agent Networks – The Challenges

This paper discusses the challenges banks are likely to face in building and managing their own agent networks.

The Case for a Bank Managed Agent Network in the Business Correspondent Model

In this Note we outline the core incentives to adopt a directly managed agent network.

Mobile money – Influencers of success

In this study, we attempt to examine some notable mobile money deployments across the globe.

When You Can’t Save Up – Saving Down and Saving Through

This Note discusses how low-income households move financial value through time using loans and chit funds in order to access large sums of money

Beyond Remittances: How to Expand Your Mobile Money Product Suite

This Note discusses Remittance, the most common entry point for mobile money systems as it not only addresses significant pain points for customers but also builds trust in the system.