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What we do

MSC (MicroSave Consulting) is a global consulting firm that enables social, financial, and economic inclusion for everyone in the digital age.

300+

Financial inclusion products developed, and counting

11000+

Leading financial inclusion specialists trained globally

370+

Banks, MFIs, and MNOs with whom MSC has worked

875M+

People use digital government-to-people services that MSC helped develop

What’s new

Climate Resilience and Adaptation

Galvanizing climate resilience through locally-led adaptation: Lessons from India’s most vulnerable communities

The case for smart payments in India’s public finance future

The role of market women and digital financial services in agriculture

Why cash payments are transforming humanitarian aid delivery

Putting agents to use: Insights from a multicountry research on customer’s usage of CICO agents

Clients and partners

Our network

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236

Recent Projects
685

Blogs
65

Presentations
864

Publications
431

Videos

Careers

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MicroSave Consulting (MSC) @MicroSave ·

3h 1942891225087947257

From M-PESA Global to PAPSS & GIMACPAY, Africa’s cross-border payments have transformed. But challenges like high costs & FX shortages persist.
Explore what will change & why it matters: https://tinyurl.com/3psh4kxy
#FintechAfrica #FinancialInclusion #AfCFTA

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MicroSave Consulting (MSC) @MicroSave ·

7h 1942843555388838111

“Cross-border payments are beyond transactions. They are at the heart of African economies.”
But with fees >7.4%, how can we unlock access for all?
Explore this insightful blog: https://tinyurl.com/3psh4kxy #PAPSS #DigitalAfrica #AfCFTA

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MicroSave Consulting (MSC) @MicroSave ·

8 Jul 1942546144929689673

Kenya has shaped the future of digital payments. From M-PESA to ISO 20022, the Central Bank of Kenya has built a secure, interoperable, and inclusive payments ecosystem. Discover how shared agent networks, SupTech & FPS can revolutionize digital payments: https://tinyurl.com/mt9rrr67

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MicroSave Consulting (MSC) @MicroSave ·

8 Jul 1942466966586843293

Like many MSMEs, Rajesh lost a major order due to slow loan approvals. ULI could change this with instant, data-driven credit offers from multiple lenders. Learn how ULI can unlock credit for India’s entrepreneurs: https://tinyurl.com/yuextdm3 #MSME #DigitalLending

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MicroSave Consulting (MSC) @MicroSave ·

7 Jul 1942165649821954460

UPI has transformed digital payments. Yet, India’s 64M+ MSMEs still face an ₹80T (~USD 963B) credit gap. Enter ULI (Unified Lending Interface)—a plug-and-play platform to unify data, ease loan access, and drive inclusive credit. Explore the vision: https://tinyurl.com/yuextdm3

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MicroSave Consulting (MSC) @MicroSave ·

4 Jul 1941099328505815491

12M+ merchants in Indonesia now use QRIS—an interoperable digital payment system that is transforming how micro & small businesses transact.
What drives adoption? Why does usage vary? And what’s needed to scale?
Explore the report for answers: https://tinyurl.com/bdhs8tre

#QRIS…

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MicroSave Consulting (MSC) @MicroSave ·

4 Jul 1941023668697538990

70% of small merchants in Indonesia say QRIS is safe, quick & convenient. But limited awareness of MDR & weak grievance support threaten sustained use.
What can regulators & FSPs do to sustain usage?
Read the full report: https://tinyurl.com/bdhs8tre

#MSME #QRIS #Fintech…

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MicroSave Consulting (MSC) @MicroSave ·

3 Jul 1940651159443644601

Despite progress in education & politics, Bangladesh’s women still face barriers in financial inclusion. The #SathiNetwork leads the way: it trains women as MFS agents to enhance their economic autonomy. Learn more in our latest report: https://tinyurl.com/yad2uryz

#FinancialLiteracy…

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MicroSave Consulting (MSC) @MicroSave ·

2 Jul 1940357762824700337

Why do only 33% of Indian women with phones use the internet? Why do just 5% of women use insurance or savings apps?
MSC’s new study with @rbinnovationhub decodes the barriers & solutions to women’s digital financial journeys. Read the full report: https://tinyurl.com/3vzur44h…

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MicroSave Consulting (MSC) @MicroSave ·

2 Jul 1940296968158449898

Women in India are 40% less likely to own smartphones—but even fewer use them for financial services. Our new report with @rbinnovationhub explores why & how to fix it.
Click to here read: https://tinyurl.com/3vzur44h
#FinancialInclusion #GenderEquity

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MicroSave Consulting (MSC) @MicroSave ·

1 Jul 1940026572204884164

@MicroSave's Vikram Pratap Sharma & Diganta Nayak presented the IRA Readiness Framework to policymakers, technocrats, & public finance experts in Abuja, Nigeria 🇳🇬. It offers actionable roadmaps for states to enhance digital revenue systems & evolve into an efficient &…

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MicroSave Consulting (MSC) @MicroSave ·

1 Jul 1940006065577631784

MSC's @anshulpachouri presented the DPI Readiness Framework as part of the @NGFSecretariat's digital public infrastructure (DPI) peer learning event. The discussions emphasized collaboration, innovation, & inclusion as the basis of #DPI, which focus on citizens in service…

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MicroSave Consulting (MSC) @MicroSave ·

1 Jul 1939994199790673961

The future of MSMEs in Indonesia goes beyond QR payments. QRIS is a gateway: From payments to business analytics, transactions to growth insights, cash to credit access
How can we unlock more value for micro-merchants?
Full blog: https://tinyurl.com/556hcdxj
#DigitalInclusion #QRIS…

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MicroSave Consulting (MSC) @MicroSave ·

1 Jul 1939928394537558114

"I no longer worry about loose change," says Putri, a rural food stall owner & QRIS user.
QRIS has brought 15M micro-merchants in to access digital payments. But real digital inclusion demands more: access to credit, savings & business tools. Learn more 👉 https://tinyurl.com/556hcdxj…

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MicroSave Consulting (MSC) @MicroSave ·

30 Jun 1939705695487906259

We’re excited to launch two landmark reports developed in collaboration with the Nigeria Governors’ Forum (NGF) and @MicroSave—designed to shape the future of Digital Public Infrastructure (DPI) and Intelligent Revenue Administration (IRA) across Nigeria’s 36 states and the FCT:…

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