Displaying 1 - 10 of 38

Persona Segmentation Toolkit

To drive inclusive finance in Nigeria, and  EFInA and WSBI’s Scale2Save program are launching the Persona Segmentation Toolkit which allows financial institutions in Nigeria to use the EFInA financial access data, demographic, and socio economic household data in a simple, practical way.


What Constitutes a Viable Business Model for Small Scale Savings?

This paper highlights three different business models, including key revenues and costs drivers, to help understand the market potential of various low-income segments.

Case Study

Leading and Managing Change to Reach Low-Income Savers in Nigeria: A Case Study of LAPO MFB

This LAPO Microfinance Bank case study shares lessons from their experience in developing and implementing a change management program to underpin its launch of a savings product.

Case Study

An Opportunity for the Banking Sector to Work With Informal Savings Groups in Morocco

The objective of the research is to conduct a qualitative and quantitative study to identify opportunities related to the launch of a digital tontine offer.


Savings and Retail Banking in Africa: Unpacking the Customer Through Demand Side Data

This publication examines the challenges of finding and using data in African countries and takes the examples of three financial service providers who are already reaping the benefits of a transition to data-driven, customer-centric operations and product portfolios.


Savings and Retail Banking in Africa: A Case Study on Digital Platforms Serving the Agricultural Sector

This case study looks at a variety of African agricultural platform providers and more closely at three platform models: bank-led, fintech-led and telco-led.

Case Study

A Case Study on Connecting With Low-income Customers Through Digitalisation

This case study draws upon management consulting literature to assess digitalization strategies and evaluates three leading financial organizations in Morocco, Kenya and Ghana against this framework.

Case Study

Savings and Retail Banking in Africa: A Case Study on Innovative Business Models

This study describes six business models to address the challenges financial service providers are increasingly facing as a result of digitization and the pandemic.


Savings and Retail Banking in Africa: A Case Study on Mobile Financial Services

This case study​ benchmarks the impact and potential of mobile financial services in several low-income markets in Africa.

Case Study

Savings and Retail Banking in Africa: A Case Study on COVID-19

This report looks at how the COVID-19 pandemic has changed bank customer behavior in Africa.