Alarmingly, most users who sign up for digital financial services do not actually end up using them, largely due to a lack of trust in agents. This holds true even in the case of relatively “advanced” geographies. “Trust busters” examines the evidence and lists out 12 reasons behind this worrying trend of interest in agency banking that fails to convert into regular usage.

Human-centered design often stumbles due to inadequate research. This note emphasizes the importance of research to gain rich customer-centric insights—the most important element of HCD.

This blog examines whether we will really realize the full potential of the digital revolution. It asks: Who will have access to technology? And what are the technological and psychological barriers inhibiting the uptake and use of “digital”?

Twenty years ago, MicroSave was set up to try to support the development of savings and other non-credit services for low-income households.

This blog will take a closer look at how development services are being delivered—and how this has changed over the last 20 years.

This report provides an analytical perspective on the pros and cons of mobile money over the counter (OTC) transactions.

In this blog, we provide a high-level outline of six options to support the impact of Agent Network Management Companies (ANMCs).

This blog series outlines potential next steps towards an augmented future, which visionaries in the industry could explore through the support of Agent Network Management Companies (ANMC).