Annabel Schiff

Annabel is the Program Director on the Mastercard Foundation's FiDA Partnership at Caribou Digital. Caribou Digital provides investment advisory, strategy advisory and research services to profit and non-profit organisations focused on building inclusive digital economies in developing markets.

Annabel is Program Director on the MasterCard Foundation's FiDA Partnership at Caribou Digital. Caribou Digital provides investment advisory, strategy advisory, and research services to profit and non-profit organizations focused on building inclusive digital economies in developing markets. Previously, Annabel worked as a Senior Manager in the Digital Finance domain of MSC, Nairobi, Kenya. At MSC, the majority of Annabel’s work focused on The Helix Institute of Digital Finance, providing world-class, operational level training and cutting-edge research for digital finance providers across the developing world.

Posts by Annabel Schiff

Finclusion to Fintech – Product Development for Low-Income Markets

The paper is aimed to serve as a tool to help fintech providers design appropriate financial products that underserved individuals will want to use on a regular basis.

Redesigning Digital Finance for Big Data

In a newly released paper from the Helix Institute of Digital Finance, titled, Redesigning Digital Finance for Big Data, we begin by offering a framework of analysis for understanding the myriad of different players in the fintech world. This paper goes on to suggest important strategies that digital finance providers (mobile network operators [MNOs], banks and third parties) […]

Managing Master Agents: 101

Discussions around Master Agents are often confusing. This confusion usually stems from the varying terms used to describe them. This lack of uniformity runs into their roles and responsibilities as well. This blog offers practical advice and shares some best practices, on how to manage Master Agents during the evolution of a roll-out.

Demystifying The Role of Master Agents

Agents are deemed the lynchpin of any successful digital finance (mobile money or agent banking) roll-out. A plethora of literature has been written about the role they play in building successful and sustainable digital finance businesses.  Less attention has been paid to the critical work of Master Agents who constitute an important, if not crucial, element in the agent-based […]

Consumer Risks and Rewards Amid Increased Competition in Kenya

Change is upon us.  After eight years of market dominance Safaricom’s M-PESA seems to have finally met a potential contender, the banks.  Data from The Helix Institute of Digital Finance shows that between 2013 and 2014 banks in Kenya (in particular Equity Bank) have aggressively grown their agent networks, and now account for 15% of the agent market share, up […]

Aligning Customer and Agent Value Propositions to Drive Profits

The presentation covers: how to define a customer value proposition

Building big backbones for innovation

Having industry giants develop and own distribution channels can provide the scale needed for providers currently struggling to drive revenues from small margins. This blog explores ways in which providers can build big backbones for Innovation for DFS to thrive.

Every successful launch first needs a launchpad: Opportunities for agent banking in nigeria

This blog explores the opportunities for agent banking in Nigeria following the passage of the 2009 Regulatory Framework for Mobile Payment Services by The Central Bank of Nigeria (CBN)