India has a huge opportunity to leverage the potential of e/m-banking and build a cash-light economy. This paper assesses whether e/m-banking will reach sustainable scale in India.

This Note examines the current state of regulation on m-banking in India and concludes that it is already a largely enabling environment for bank-led models.

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.

This note examines some of the savings and related services offered to the low-income market segment using M-PESA ‘rails’, and highlights the challenges they face.

This paper analyses the FIs riding the M-PESA rails stating that many M-PESA customers find formal banking services inaccessible or expensive, and the advantages of transactions by phone is preferable.

This note focusses on the present banking regulations which provide ample scope for banks and financial institutions to explore ways of reaching out to the un- and under-banked.

In an effort to better understand the customers’ needs and their criteria for the optimal BC model, MicroSave conducted a research study in the Indian states of Uttar Pradesh and Gujarat in 2010-2011.