Digital Financial Services

Financial solutions delivered over mobile and digital channels, typically enabling greater reach than traditional banking channels.  Services may include transactional or payments solutions that enhance client productivity or purchasing power.

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Musoni aerial imagery
Media: In this seven-minute video, the Lab digs deep into business model sustainability by following the Musoni Kenya team to understand how going digital can help achieve scale and drive profitability.
BTCA
Report: This October 2017 Better Than Cash Alliance report examines how shifting to digital payments can provide powerful solutions to help countries improve agricultural productivity and ensure food security, bringing higher incomes and greater financial inclusion.
Smallholder finance
Analysis: Part 6 of the Pulse series highlights early learnings around the smallholder finance enabling environment and makes recommendations for future research.
Juhudi Kilimo
Media: As part of a Learning Lab Webinar series to highlight and showcase the work of our partners, on July 20, 2017 we hosted a webinar with Entrepreneurial Finance Lab (EFL) and Juhudi Kilimo – a Mastercard Foundation Fund for Rural Prosperity Winner – focused on the use of psychometrics for smallholder credit scoring. This blog includes webinar materials such as the presentation, recording, and responses to any questions that we were unable to answer during the webinar due to limited time.
TA Pulse
Analysis: Part 4 of ISF's and RAF Learning Lab's Pulse series draws insights from the evolving Technical Assistance (TA) landscape in agricultural finance.
Alternative delivery channels
Report: The MIX – with support from The MasterCard Foundation, UNCDF, and IFC – has published a new report on alternative delivery channels and their impact. The research from MIX also helped support the insights explored in The MasterCard Foundation's report on lessons learned from alternative delivery channels, which can be viewed here.
Alternative delivery channels
Report: In their latest study, The Mastercard Foundation shares emerging lessons learned using alternative delivery channels for financial inclusion.
The MasterCard Foundation_Kampala
Report: Mercy Corps' AFA program conducts country-level ecosystem reviews in coordination with its work to support the expansion of digital financial and non-financial services to smallholder farmers in Kenya, Tanzania, and Zambia. These analyses are published as white papers in the "Fertile Ground" series. This is the Zambia white paper.
Report: Mercy Corps' AFA program conducts country-level ecosystem reviews in coordination with its work to support the expansion of digital financial and non-financial services to smallholder farmers in Kenya, Tanzania and Zambia. These analyses are published as white papers in the "Fertile Ground" series. This is the Tanzania white paper.
KCB Bank
Report: KCB Group, a RAF Learning Partner, shares details on their current programming efforts as of 2016. Most specifically, the report highlights their USD 30 million partnership with The Mastercard Foundation, in which KCB has committed to offering financial services to 2 million smallholder farmers.
Analysis: Our learning brief explores the role of digital approaches (across the lending value chain) in making it possible to profitably serve the smallholder market at scale. What do the digital journeys of financial service providers entail? What results are FSPs seeing and what challenges do they face?
Analysis: Smallholder asset lender Juhudi Kilimo used a cloud-based management information system to improve its operational efficiency. Then it tested a new SMS reminder initiative, which proved promising in pilot but faced challenges during rollout. Elvin Walela tells this chapter in the story of Juhudi's digital journey.

Digital Financial Services

Financial solutions delivered over mobile and digital channels, typically enabling greater reach than traditional banking channels.  Services may include transactional or payments solutions that enhance client productivity or purchasing power.