Direct Benefit Transfer in Fertilizer: Fourth round of concurrent evaluation—A nationally representative study
NITI Aayog engaged MSC in a nationally representative study on DBT in fertilizer. This report provides details of the on-the-ground realities of DBT-F implementation and makes actionable recommendations to improve the DBT-F system further.
A question of trust – Mitigating customer risk in digital financial services
This paper synthesizes four studies examining customer experience in Bangladesh, Colombia, Philippines, and Uganda. It highlights that system downtime, agent illiquidity, agents charging unauthorized fees, the fear of sending money to the wrong number and unresponsive customer care centers all eat into the credibility of digital finance offerings.
Entering new markets with new products – Costs and benefits of following new product development process – based on a case study of MDF-Kamurj (Armenia)
The case presents a successful implementation of product and market diversification. The case draws from the experience of MDF-Kamurj – an Armenian microfinance institution which developed and launched a new credit product directed to rural microentrepreneurs involved in agriculture and livestock breeding. The case seeks to present how the process of market research and pilot testing helps in mitigating risks related to entering new areas with a new product (a product not meeting clients’ needs, inefficient procedures, resistance among staff towards innovation). Simultaneously it discusses the requirements of conducting market research and pilot testing (including financial and non-financial costs as well as the golden rules of the process).