Mike McCaffrey

Currently is working as Financial Technology Adviser at Ulana Insights. Ulana Insights offers Advisory services for digital pioneers in emerging markets.

While working with MSC, Mike launched and led the development of the HELIX INSTITUTE OF DIGITAL FINANCE, which offers training, consulting and research for strategic operations in digital finance. Also designed the strategy for, and managed the implementation of the Agent Network Accelerator (ANA) project in eleven key markets around the world, which strives to distill operational factors of success for creating mass market distribution networks for financial services.

Posts by Mike McCaffrey

Why Most Agents Networks Will Fail

The blog highlighsts how the value proposition of the agent network is vital for digital finance growth.

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 DFS 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) […]

Agents Count: The True Size of Agent Networks in Leading Digital Finance Countries

This paper lays out a framework for understanding agent network size for digital financial services, drawing a distinction between agent tills and agent outlets. The paper also discusses agent activity rates.

OTC: A digital stepping stone or a dead end path?

In this paper, we want to look more closely at OTC model, with the help of data from The Helix Institute, InterMedia and the GSMA, which provide an analytical perspective on the pros and cons of the OTC model. This will allow us to propose some recommendations on how to manage OTC going forward.

Eko In India

Eko is a Business Correspondent (India’s term for banking agent) serving the State Bank of India (SBI), ICICI Bank and Yes Bank.Eko is effectively running multiple agent networks in tandem and therefore providing a third-party specialist model for banks.

Competition in the Kenyan Digital Finance Market: Digital Deposits (Part 3 of 3)

This is the third blog in a three part series, which compares digital financial service offerings in Kenya.  The first blog focused on mobile money services, the second one analysed digital credit and this one analyses digital deposits. Digital deposit accounts are a controversial topic in digital finance.  Many analysts note that mobile money providers cannot offer interest on […]

Competition in the Kenyan Digital Finance Market: Digital Credit (Part 2 of 3)

This is the second blog in a three part series, which compares digital financial service offerings in Kenya.  The first blog focused on mobile money services and this second one delves into mobile banking services, focusing on digital credit.  These are certainly the most complicated but also the most exciting services given their potential to deepen financial […]