Vartika Shukla

Financial Inclusion Consultant

Vartika is currently working as an Independent Consultant in Financial Inclusion, Digital Finance and Fintech. She has ten years of experience working as a financial inclusion consultant with banks, mobile network operators, agent network managers and microfinance institutions.

Vartika worked as a Manager with MSC. She has ten years of experience working as a financial inclusion consultant with banks, mobile network operators, agent network managers and microfinance institutions in India, Kenya, Lao PDR, Malawi, Nepal, South Africa, Uganda and Ethiopia. The focus of her work has been on assisting clients to implement digital financial services solutions; which includes: strategy development, institutional diagnostics, marketing and communication, training curriculum design, qualitative market research to understand customers’ needs, product development and process re-engineering.

Posts by Vartika Shukla

Clients’ Willingness to Pay “Reasonable Fee” for BC Services

This Note discusses whether end customers are willing to pay for financial services delivered by Business Correspondents, and if yes, how much are they willing to pay.

Comparing Business Correspondent With Informal Saving Avenues

This Note focuses on comparing informal saving avenues with “Business Correspondent” (BC) services on a variety of attributes.

Why People Do Not Use Present Banking Systems – A Case For BCs

This Note examines the difficulties faced by low income households accessing banking services and presents a case for the acceptance of BC model for expanding the reach of banking services.

Exploring Domestic Remittances as a New Line of Business for Indian MFIs

With the growing interest in remittances as an important product for the poor, this note assesses the options for microfinance institutions (MFIs).