High-Hanging Fruit and Easy Catch—Merchants who need additional “hooks” and hand-holding
This is the third blog from the “Digitizing merchant payments in India” series. It draws from earlier blogs in this series and examines two personas of the merchant ecosystem—high-hanging fruits and easy-catch merchants.
Digital wallet adoption for the oral segment in India: Concept development for MoWo (Mobile Wallet for Oral)
The objective of this research was to develop conceptual wireframe of a mobile wallet for ‘oral’ people to use. The user interface was developed keeping in mind the cognitive usability constraints of oral segment.
Understanding the financial behaviour of the mass market: The key to financial inclusion
23This study is an extension of the work that MicroSave has been doing over the years on understanding how different types of people practice money management. It draws from industry literature on the subject, such as the financial diaries in Bangladesh, Kenya, Mexico, and Zambia.
Analysis of Financial Institutions Riding the M-PESA Rails
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.