Medium small and micro enterprises (MSMEs) in Papua New Guinea (PNG) and Fiji employ 80% and 60% of the work forces respectively. Digital platforms like Facebook and Alibaba are disrupting how MSMEs can be launched and managed, and this research investigated the opportunities and challenges for scaling these platforms in the Pacific.
Indonesia has the 4th largest unbanked population and one of the most dynamic emerging fintech ecosystems in the world. I authored market intelligence report on how donors and policymakers can support fintech solutions to meaningfully contribute to financial inclusion in Indonesia.
One of the focal issues of the social innovation challenge is financial inclusion. I provided insights to their training curriculum on the major challenges the sector is facing and how social entrepreneurs can design solutions to them across the developing world. These include fintech solutions, digital/financial education efforts and products that offer more value than a bank account to low-income customers.
Mercy Corps wanted to better understand the opportunity for using Pay-as-you-go (PAYG) technologies to finance solar lighting systems for households in Ugandan refugee settlements. I also traveled to the West Nile region and conducted interviews, observations, and focus groups in Arua, Rhino Camp and Bidi Bidi Settlement.
The core message of the research is that most humanitarian cash and voucher assistance (CVA) programs desire a payments system with greater geographic reach, higher-levels of customer service, and more advanced technology (like biometrics) than what is available, and partnerships with mobile money providers are needed to build more customized offerings.
Conducted a review of the status of humanitarian cash transfers for the GSMA Mobile for Humanitarian Innovation (M4H) team. We investigated the business case for mobile money providers, the challenges with digital finance solutions, and the circumstances under which mobile money is the best payments solution.
As PAYG solar companies push into the rural frontiers of African countries they quickly expand beyond the mobile money infrastructure upon which their models rely. Working with the BFA FIBR project, we helped PEG Ghana develop a solution for rural payments.
I supported the Dalberg Advisors team to identify the most appropriate comparative ecosystems for Nigeria on key financial inclusion metrics, and then develop a matrix of indicators and targets for the The Central Bank of Nigeria (CBN) National Financial Inclusion Strategy.
Evaluated six projects being done by the United Nations MM4P programme with mobile money agent networks in Zambia and Uganda to advise them on how their work could best contribute to industry knowledge on agent network innovations.