Financial Inclusion

An estimated 2 billion people lack access to formal financial services, like bank accounts, that are critical to transact efficiently, accumulate wealth, and protect against shocks. Additionally, 200 million informal and formal businesses are financially unserved or underserved – without access to the capital they need to grow. Dalberg works with companies, foundations, development institutions, and governments to develop innovative strategies for providing high-quality, appropriate financial services to underserved individuals, communities, and businesses. Our expertise includes catalyzing investment, designing solutions such as savings products, and bringing together public and private sector stakeholders to facilitate collective action.

 

Matthew MacDevette

Matthew MacDevette is an Associate Partner based in Johannesburg. His work focuses on Southern, East and West Africa and covers various aspects of economic growth and development, including impact investing, donor-led facilitation of private investment, inclusive business and shared value, youth employment, and SME development.

Matthew’s work spans a range of public and private sector clients both within and outside sub-Saharan Africa, and includes sectors such as manufacturing, financial services, agriculture, healthcare, and energy. 

Kusi Hornberger

Kusi Hornberger is an Associate Partner in the Washington, DC office of Dalberg Advisors. Kusi co-lead’s Dalberg’s impact investing practice area and is particularly passionate about the use of innovative finance and technology to accelerate the achievement of the Sustainable Development Goals (SDGs).  

Dalberg Data Insights’ Mobile Money Dashboards Promote Financial Inclusion in Uganda

“Development and testing was a crucial learning process for the entire team, seeing how big data can be used for our work. The collaboration with the DDI team, who always provided rapid updates to the dashboard, facilitated this process.” - UNCDF 

[Podcast] Gaurav Gupta on UNLEASH, What Makes An Effective Social Enterprise, and Much More

Sustainable development is the term for the dual imperative—economic growth and environmental sustainability. But often there is confusion over the business case for going green. Gaurav Gupta, the Regional Director of Dalberg Advisors, works collaboratively across the public, private and philanthropic sectors to fuel inclusive growth. He is also the Director of Unleash, a global innovation lab that brings together people from all over the world to disrupt conventional solutions and create a better and more sustainable world.

The Curious Case of Myanmar: Can the Country Leapfrog to Digital Financial Inclusion?

A digitally savvy population. A rapidly growing economy. A leapfrogging mindset.

It may be hard to believe that these characteristics describe present-day Myanmar, a country that just five years ago faced economic stagnation. But as reforms have been brought into action, Myanmar’s fledgling journey of economic transformation has shown promise.

Identifying Innovative Financing Mechanisms to Reduce the Cost of Remittances

We were engaged by the Canadian International Development Agency to analyze the major cost drivers and market failures associated with international remittances. We subsequently designed and recommended innovative financing mechanisms which could save up to $3.5 billion over five years.

Mobile Money Innovation Strategy for a Pan-Africa Telecommunications Company

We developed strategy recommendations and a high-level roadmap for opening mobile money APIs to a pan-African telecommunications company. Our assessments involved country selection, a quantified business case, revenue models, road map of next steps and a go-to-market strategy.

Mobilizing Banking For Indonesia's Poor

In this article published in MIT Innovations Journal, Michael Mori and Trevor Zimmer assess the demand for mobile financial services and branchless banking (MFS/BB) among poor Indonesians and suggests how businesses should design and market financial products to incentivize adoption. It also evaluates the factors that regulators should consider when designing MFS/BB regulations.

Read the article.

Direct to Farmer Finance Innovation Playbook

Innovation can help direct-to-farmer finance providers better serve farmers by addressing the challenges associated with direct-to-farmer lending. Existing challenges – such as lending risks and service delivery – are exacerbated at scale; investing in innovation can help direct-to-farmer finance providers scale up to more quickly and effectively meet the vast global demand for smallholder finance.

Customer Experience Playbook

The Customer Experience (CX) Playbook is divided into the following eight sections detailing different stages of embedding customer centricity within the organization. Each section contains operating principles and useful tools for each stage. The Playbook also describes typical challenges faced in implementing such projects along with suggested solutions. Use the CX Playbook for either end-to-end CX projects or specific aspects such as user research or CX ideation.