Vera Bersudskaya and Mercy Wachira
Smartphone-based products in Kenya have been touted for their potential to improve the user experience...
This note focuses on key user insights explaining the preference for USSD, which should remain...
Graham Wright, Mercy Wachira, Vera Bersudskaya, William Nanjero and Zeituna Mustafa
The research examined the process of applying for loans from different providers as well as...
Vera Bersudskaya and Mike McCaffrey
A person cannot decide to use a financial service until it has been extended within...
Mike McCaffrey and Vera Bersudskaya
This paper lays out a framework for understanding agent network size for digital financial services,...