It is remarkable how little use is being made of ‘small data’ ― the information that is directly available on a financial institution’s customer base, from the banking system itself.

The author predicts the future of mobile money based on his experiences, market insights and observations from working many years within the mass financial sectors and in Digital Financial Services.

This Note highlights one of the least recognised success factors – the careful pilot testing of the M-PESA solution. The Note highlights the key lessons learned through the pilot-test.

In this video, MSC’s David Cracknell speaks in length about the initiatives to support SACCO Societies in Kenya. He further mentions how MicroSave in cooperation with Sacco Societies Regulatory Authority (SASRA) in Kenya will be introducing training curriculum for credit, delinquency management and Institutional risk.

What role does customer service play for any market-led financial institution? Here the author shows why excellent customer service must be a “prime directive” for any market-led financial institution.

After years of market development, digital finance in Nigeria has still yet to take-off.  The market is still experiencing some regulatory impediments, but most of all, providers need improved strategic approaches to their anchor products, core operations and expansion strategies. 

The Note examines progress towards financial inclusion in Kenya, and concludes that while M-PESA’s rails offer the potential, Kenya may yet have to wait to realise affordable, effective financial inclusion.

This Note examines if, how and where financial institutions are realising the potential of M-PESA to make their systems more efficient and their products more accessible.