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The Many Faces of the Poor: Mass Market Segmentation

The AppLab Money Incubator in Uganda has studied and segmented the behaviors of rural low-income consumers to understand the opportunity for financial services product development.

Financial Inclusion by Design: AppLab Money Incubator Case Study

Grameen Foundation, MTN and CGAP launched the AppLab Money Incubator a year ago, in part, to develop a human-centered design process that shows players with an appetite to go down-market that innovation can be cost-effective and impactful and can also lead to new areas of growth. This is the first part of a case study documenting our experience.

Are You Getting Your Share? Revenue Protection in Mobile Money

Mobile money has had bad press lately for fraud-related cases. Most of the reported cases were either the result of internal employees misusing the system to cause operator losses or fraudsters trying to scam unsuspecting users. There is another angle that rarely gets any press—when users or agents abuse the platform and use it in rogue ways that it was never intended.

Beyond Capital Gains: The Multiplier Effect of Youth Savings

The toll of deep financial strain often promotes destructive decisions and low productivity among impoverished populations.

How to Save Lives and Lower Fuel Consumption: Clean Cookstoves

Exposure to smoke from traditional cookstoves and open fires – the primary means of cooking and heating for nearly 3 billion people in the developing world – causes 2 million premature deaths annually, with women and children the most affected.

Tips on Mobile Money Product Design from Uganda

How much would you like to pay to save? Zero, most likely. In fact, you probably hate the fees your bank charges for the privilege of holding your funds and disbursing when you ask for them.

Drivers of Mobile Money Profitability

This post is the second in the series on “Five Business Case Insights on Mobile Money.” In the first post, we shared with you a detailed presentation on the five insights. Here we explain further the first three insights.

How Agent Network Managers Have Fueled M-PESA’s Success

As CGAP’s new Agent Management Toolkit emphasizes, managing an agent network is complicated. There are a lot of different pieces of the puzzle to get right.

What Good Is Mobile Banking if the Phone Isn’t Charged?

Driven by mobile phone customer needs, neighborhood vendors with mains electricity and/or access to a power generator typically offer mobile phone charging as a value added service.

South-South Replication in Africa

A special session at the CGAP Annual Meeting explored the phenomenon of Greenfield banks and South-South replications in sub-Saharan Africa.