Mohit Saini

Senior Analyst

Mohit is a Manager with MSC's Digital Financial Services (DFS) Domain.

Mohit is a DFS consultant with substantial experience of working in countries like Bangladesh, India, Malawi and Uganda with the regulators, policymakers, start-ups, DFS providers, and other ecosystem players. He has worked on projects commissioned by BMGF, JPMorgan Chase (JPMC), the World Bank Group (IFC), UNCDF, UKaid and others. Within MSC, he has managed projects focusing on accelerating the uptake of DFS among the last mile through bottom-up, client-centric approach. Presently, his work focuses on designing a differentiated incubator lab for fintech start-ups to cater to the Low-and Middle-Income (LMI) segments in India. In addition, his work involves offering technical advisory to DFS providers, developing their go-to-market strategies, and undertaking client-centric market researches focused on gender and behavioural aspects. Formerly, Mohit has worked as an Operations Manager with Atyati Technologies Pvt. Ltd- a Bengaluru-based fintech start-up. He holds a Post Graduate Diploma in Rural Management, with specialisation in rural finance from one of India's most prestigious institutions, Institute of Rural Management, Anand (IRMA). He is fluent in English and Hindi.

Posts by Mohit Saini

Learnings from Transforming Villages into ‘Less-cash Villages’: Part One

MicroSave has been working with NPCI and leading Public Sector Banks to create a less-cash ecosystem in select villages across the country. This highlights the lessons learnt during the intervention and highlights the key steps involved.

First digitally enabled panchayat in Odisha

This NPCI initiative brings insights on the digital transformation journey that the organization has undertaken to enable panchayats across the country, and encourage active and sustaining village level participation.

Is ‘Cashless’ the Road Ahead towards Digital India?

This case-study will provide you a sneak-peek to the journey of the creation of the first “cashless” panchayat in Odisha.

Can instant messenger disrupt the digital payments market in India?

This post attempts to cover the details of how WhatsApp can possibly simplify the user experience while making digital payments in India.

Designing User-Friendly USSD Interface for Digital Financial Services

This note focuses on key user insights explaining the preference for USSD, which should remain the core focus area for providers while designing the interface of their access channel.

Demonetisation and digitisation – A diagnostic study

This demand-side diagnostic study aims to gauge the end-user experience in adopting cashless modes (including cheques) along with the barriers (behavioral and functional) they faced in uptake and usage of cashless solutions.

Are Mobile Money Wallets Really Customer-Centric?

This note focuses on the four critical areas that are significant to customer-centricity of mobile money wallets. It looks at major barriers that have an adverse impact on the uptake of mobile money in India

Where Are Women Agents in Indian DFS?

Financial institutions must take control of the quality of their financial services; to resolve issues permanently and not to rely upon explaining issues away.