Graham Wright

Group Managing Director

Graham A.N. Wright is the founder and Group Managing Director of MSC. He pioneered much of the core of market-led approach used by MSC.

Graham A.N. Wright is the founder and Group Managing Director of MSC. He pioneered much of the core of market-led approach used by MSC. He has around 30 years of experience in emerging markets underpinned by five years of experience in management consultancy, training and audit with Arthur Andersen in Europe. Graham has worked with banks, MFIs, telecoms, and regulators in Bangladesh, India, Indonesia, Nepal, Pakistan, the Philippines, Vietnam, Zimbabwe, Kenya, Uganda, South Africa, Tanzania, and Zambia. Graham oversees Digital Financial Services, Strategic Initiatives, Knowledge Management, and Global Insights within MSC. During his time as the head of MSC in Africa, he spearheaded work to transform both Equity Bank and Kenya Post Office Savings Bank and collaborated in the design and initial testing of M-PESA. He has headed several teams working on digital financial services solutions for banks, mobile network operators, and MFIs in Asia, Africa, and Latin America.

Posts by Graham Wright

A Critical Review of Savings Services in Africa and Elsewhere

This paper reviews what motivates poor people to save and how MFIs might assist, while still retaining the MFIs’ focus on profitable operations and on sustainability.

Market Research for MicroFinance – Letting Demand Drive Product Development

This report is the result of research largely based on the “Market Research for MicroFinance” tools. It examines the high (25- 60%) drop-outs amongst MFIs throughout East Africa.

Use and Impact of Savings Services Among the Poor in Uganda

This report shares findings that improve knowledge and understanding of how poor people in Uganda save with the informal mechanisms like banks, moneylenders, pawnbrokers, money guards, deposit collectors, ROSCAs, ASCAs

Beyond basic credit and savings: Developing new financial service products for the poor

The paper examines the need for microfinance institutions (MFIs) to offer their clients new financial products.

Savings Are a human right (and good business too): The case for voluntary, open access savings facilities

Based on experiences drawn from Bangladesh, this essay puts forward a case for voluntary, open-access savings schemes as a profitable alternative to compulsory, locked-in savings schemes.

Replication: Regressive reproduction or progressive evolution?

Increasing numbers of organizations are “replicating” the programs of successful MicroFinance Institutions (MFIs). These strengths are also weaknesses, since the models being replicated require modification for adaptation to local conditions.

Drop-outs, graduates, defaulters, and the excluded

The document reviews four key issues facing MFIs worldwide, with evidences drawn primarily from Bangladesh.

Drop-outs and graduates – Lessons from Bangladesh

The paper examines why MFIs in Bangladesh suffer high drop-out amongst their clients and why current systems and services being provided by MFIs fail to meet the demands of clients.