Anup Singh

Associate Director

Anup Singh leads MSC’s regional office in Anglophone Africa and heads the Helix Institute based in Nairobi, Kenya. With 16 years of experience, his expertise includes the digital transformation of financial institutions, digital readiness assessment of social protection programs, digital credit scoping, design and policy, training programs, and FinTech mapping, scoping, and policy design.

Anup has advised more than 150 institutions, including governments, FinTechs, financial institutions, investors, and multilateral organizations in Kenya, Uganda, Rwanda, Ethiopia, Nigeria, Malawi, Tanzania, Zambia, and South Africa in the African continent, and India, Sri Lanka, Bangladesh, Nepal, Vietnam, Myanmar, China, Papua New Guinea in the Asian continent. He has also trained at the Boulder Institute of Microfinance, Italy, in 2017, 2018, 2019, and 2021.

A few examples of his recent work are as follows:

  • Quality and usage of digital financial services by open-air market and cross-border women traders in Kenya for the Bill & Melinda Gates Foundation. (2021-23)
  • Assessment of best practices in digital credit by micro-entrepreneurs for the Bill & Melinda Gates Foundation. (2022)
  • Landscaping of agent lending and recruitment practices for the Bill & Melinda Gates Foundation. (2022)
  • Development of East Africa strategy 2022-30 for the Financial Services for the Poor (FSP), Bill & Melinda Gates Foundation. (2021-22)
  • Assessment of agent network management in Kenya, Côte d’Ivoire, and Mozambique for GSMA. (2021-22)
  • Research on personal financial investment and wealth management for FSDU in Uganda. (2021)
  • Technical assistance to the Financial Technology and Service Providers Association (FITSPA) members to comply with the NPS Act and regulations for FSDU in Uganda. (2021)
  • Strategy and digital transformation plan for SMFI-Shabelle Bank funded by Mercycorps in Ethiopia. (2021)
  • Conducted an assessment of additionality and customer protection risk of the African Guarantee Fund (AGF) for CDC. (2021)
  • Development of Awash Bank’s digital financial services strategy and implementation plan funded by Awash Bank in Ethiopia. (2020-22)
  • Development of an Integrated Farmer Services platform investment for the Bill & Melinda Gates Foundation in Rwanda. (2020)
  • Strategy development for the CRDB Foundation to focus on corporate social responsibility activities for CRDB Group in Tanzania. (2020)
  • The feasibility of building an interoperable state-wide digital payment infrastructure funded by the Bill & Melinda Gates Foundation in Kaduna state, Nigeria. (2020)
  • Formulation of the proof of concept for Responsible Digital Transformation Lab (ReDiLab) funded by AFD across the globe. (2020)
  • Feasibility study for the transformation of BRAC Liberia and BRAC Sierra Leone to deposit-taking institutions funded by BIHBV. (2020)
  • Design thinking to refine personal retirement programs for the mass market funded by ICEA LION in Liberia and Sierra Leone. (2020)
  • Development of customer journeys and wireframes for the product roadmap of the Rwanda National Digital Payments Strategy, funded by Access to Finance Rwanda: Led the team that built the user journey and interface for the Rwanda National Digital Payments Strategy. (2019-20)
Before joining MSC, Anup worked as an Associate with the Centre for Microfinance in Chennai. He advised various financial institutions, such as Fullerton, Cashpor, and Spandana, to design and implement enterprise financing and value chain lending products. Anup also worked with agricultural finance and livelihood services providers, such as BAIF and BILT, to develop and re-engineer value chains. He holds a Postgraduate Diploma in Forest Management from the Indian Institute of Forest Management, Bhopal, India. Anup is fluent in English and Hindi.

Posts by Anup Singh

Examining Remittances Through A Behavioural Lens

Migrant workers, are unique client segment that interests financial service providers- specifically the digital financial service providers. This Note examines decision making context and behavioural aspects of the migrant workers.

Examining Micro Credit through the Behavioural Lens

This Note explores the behavioural explanations that govern design intricacies of microcredit and also the anomalies in the business model.

Behavioural Economics and User Centred Design – Opening up New Vistas in Research Processes

This Note is a high-level peek into behavioural research method that MSC’s MI4ID approach uses to understand customers financial behaviour.

Small Finance Banks – Risks and Challenges of Transformation of MFIs/NBFCs

In the series of publications on Small Finance Banks, this note explores the key challenges, and the potential deal breakers for MFIs and NBFCs intending to transform to SFBs.

Small Finance Banks – Is there an Opportunity for MFIs/NBFCs?

First in the series of publications on Small Finance Banks, this note explores the possibilities for MFIs and NBFCs as intending to graduate to SFBs.

Insurance Product for Contractual MSE Workers of India – Behavioural Insights

This note details the behavioural research process and, culminates into conceptualisation of a low fidelity product concept designed using user centred design approaches.

Insurance for Contractual Workers of Micro and Small Enterprises in India – A Conscience Call

In terms of access to formal risk protection measures, contractual workers employed at MSEs in India this note creates background for the next note of this series.

Behavioural Insights in Insurance

This note takes an alternative view from the conventional wisdom of expected utility and optimum deductible in insurance. It highlights explanations for insurance purchase and use decisions through behavioural economics.