Financial inclusion

Hundreds of millions of people across sub-Saharan Africa lack access to basic financial products and services, including savings, credit and insurance. Lack of access to financial services is particularly acute among the poor, among women and among those living in rural areas where the reach of traditional financial channels has historically been limited.

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Expertise Areas

Monitoring and evaluation

With our combined expertise in financial inclusion and M&E, Genesis specialises in evaluations of development programmes targeting the financially excluded, as well as the review and support of M&E systems for donors, implementing partners (e.g. NGOs, financial institutions), institutional bodies and financial market facilitators. We provide our clients with the tools, information and insight they need to improve their interventions and produce better results, so that the financially excluded are better targeted through innovative products and delivery channels, and ultimately included in the financial market

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Financial literacy

Genesis provides M&E and strategy support to a number of financial institutions and industry bodies. These institutions and bodies offer the South African population programmes on consumer financial literacy. We act as a learning partner to our clients by providing feedback from ongoing monitoring and insight from programme evaluations. This feedback is used to inform the clients’ financial-education strategies so that the messaging is targeted and impactful. 

Market systems development

We seek to address financial inclusion through a financial sector development approach.  A market systems approach requires us to diagnose the root cause and not just symptoms of market failures. Our approach and team expertise equip us to consider all the critical elements of a financial market  –  from regulation and policy to infrastructure and the availability of market information  – to reach sustainability and scale. This expertise is reflected in market-led intervention design applying our specialist skills in strategy, product design, development of innovative business models, technology-enabled delivery channels, and enabling regulation, among others.

Strategy

We specialise in providing strategy review and development services to banks, donors, development programmes and industry associations. Our team draws on a variety of tools to assess opportunities, constraints against the prevailing macroeconomic environment, market dynamics and the profile and behaviour of poor customers that are financially excluded. 

Product and channel innovation

An important part of our work advising donors, development programmes, industry associations and private financial institutions is to support the design, development and review of innovative products and delivery channels capable of reaching financially excluded clients across sub-Saharan Africa. This expertise is also often used to inform our evaluations of financial inclusion development programmes, and these evaluations in turn produce recommendations which may lead to further product innovation

Projects

Mid-term review of largest UN project in digital finance

Project name:
Mid-term evaluation of Mobile Money for the Poor (MM4P)

Service:
Monitoring and evaluation
Financial inclusion
Market systems development
Digital

Sector:
Financial services

Area of Expertise:
Evaluation & impact assessment

Client:
UNCDF

Date:
2018

Country:
Nepal
Senegal
Uganda
Zambia


Mobile Money for the Poor (MM4P) is the largest of the UNCDF’s programmes in digital finance. MM4P is a multi-year global programme aimed at demonstrating how the correct mix of technical, financial and policy support can assist in scaling up sustainable digital financial services (DFS) that reach the poor in very low-income countries.

MM4P has a wide range of donors, including the Mastercard Foundation, Bill & Melinda Gates Foundation, MetLife Foundation and USAID, and is implemented in Nepal, Senegal, Uganda, Zambia, Benin, Lao PDR, Liberia, Sierra Leone and Malawi. MM4P provides technical assistance and grants to providers to develop and improve DFS to the under-served, supports policy and regulatory changes related to DFS, and conducts a range of other ecosystem building and knowledge management activities.

The original MM4P concept documents listed activities that serve the unique financial needs of women as one of the programme’s priority areas. The evaluation also sought to assess the extent to which gender had been mainstreamed throughout programme activities.

Genesis was contracted by UNCDF to conduct a mid-term evaluation of MM4P. The evaluation was based on a theory-based approach and used the OECD DAC criteria as its guiding framework. It included interviews with over 100 stakeholders, focus group discussions with a sample of agents and clients, and an in-depth desktop review. The evaluation included field visits to Nepal, Senegal, Uganda and Zambia and produced country reports for each as appendices to the main evaluation report.

The evaluation came at an opportune time, when UNCDF was developing a new digital strategy, and provided important findings to inform that strategy. These included the value of having a technical team on the ground, partners through continuous interaction, and relationship building as an effective approach to building markets.

The evaluation report and management response

Diagnosing MSME development challenge in Africa

Project name:
MSME finance deep-dive research

Service:
Financial inclusion
Market systems development

Sector:
Financial services
Africa’s youth wave

Area of Expertise:
Market entry and growth strategy
Strategy
Segmentation
Ongoing support as a learning partner

Client:
Private foundation

Date:
2018

Country:
Ethiopia
Ghana
Nigeria
Senegal


Micro, small and medium enterprises (MSMEs) are a critical source of employment creation in Africa. This is particularly so for young people because Africa’s youth bulge will lead to an unprecedented number of young people entering the labour market in the coming years. 

The MSME development challenge is how to grow productive MSMEs that can employ more people. Solving this is critical to harnessing the demographic dividend of Africa’s growing young population.

This is one of the tasks of a prominent private foundation working on youth employment creation in Africa. Genesis partnered with the foundation to diagnose the MSME landscape in four countries of interest: Ethiopia, Ghana, Senegal and Nigeria. The foundation was new to the area of MSME development and required guidance on how best to diagnose the key growth constraints and programming opportunities for MSME development.

We applied our framework for analysing MSME markets in each country, beginning with a review of MSME definitions and concepts such as firm size, formality and survivalist vs. opportunity-driven entrepreneurs to segment and size the MSME market. We then determined the key constraints and opportunities for MSME growth in each market by analysing five elements of the MSME ecosystem: skills and training, access to finance, infrastructure, market dynamics and the MSME support landscape. Last, we prioritised the sectors with the greatest potential for MSME programming impact by assessing each sector’s growth, youth employment creation potential and MSME presence.

Our work provided the foundation with a firm evidence base on which to build its MSME support strategy in each country. We placed an emphasis on collecting and synthesising available data to assist the foundation with a view of what is known and what still remains to be investigated, regarding MSME development in each market.

Since MSME development was a new area for the foundation, we also positioned ourselves as a learning partner during the project. This included providing the foundation with thought leadership on how to diagnose MSME ecosystems, providing an in-person briefing to foundation staff on MSME development issues and developing a case study learning tool on diagnosing MSME markets.

A winning strategy for deepening financial markets in Uganda

Project name:
FSD Uganda strategy refresh

Service:
Strategy
Financial inclusion
Digital

Sector:
Financial services

Area of Expertise:
Market analysis and positioning
Fintech market enablement

Client:
Financial Sector Deepening Uganda

Date:
2006 - 2018

Country:
Uganda


Financial-sector deepening aims to improve access to, and usage of, financial services that are instrumental in improving the livelihoods of vulnerable and poor communities. It is the objective of financial-market facilitators, set up as Financial Sector Deepening (FSD) Trusts, to be active in a number of African markets.

The FSD approach is unique in prioritising interventions that are systemic, i.e. self-sustaining shifts in the market system rather than supporting individual market actors that require ongoing support. FSDs work at the “macro” level to create an enabling regulatory environment, at the “meso” level to improve financial and digital market infrastructure and information, and at the “micro” level to pilot and diffuse innovative financial-service models into the market.

Market facilitation is challenging for a number of reasons. It requires a large amount of information to ensure that interventions are targeted at the binding constraints preventing financial-sector deepening at each “level” of the market. These interventions also need to be targeted because market facilitators invest heavily in relationships to influence key market actors, and this requires time and committed resources. Lastly, market facilitators need to show that these targeted interventions do result in systemic change. The ultimate beneficiaries are the same groups of vulnerable consumers whom donors (who control much of development funding) care about. Genesis has partnered with FSD Uganda (FSDU) over the last two years to assist it with these three key challenges.

Our partnership began at a point where FSDU required a re-invigorated approach to facilitating financial-sector deepening in Uganda. We developed a vision and definition for financial inclusion in Uganda, reviewed the state of barriers to access and usage of financial services, identified key technology trends likely to reshape the prospects for financial inclusion in the coming years, and identified a high level list of strategic initiatives that FSDU should engage in to facilitate systemic change. This helped FSDU with the first challenge – ensuring that interventions are targeted at the binding constraints for specific beneficiaries.

We then helped FSDU develop a refreshed strategy for the next three years. We spent time with the FSDU team to understand its planned interventions, and engaged extensively with market actors in Uganda to test which of these interventions were likely to generate systemic change. The outcome was a concise and well-evidenced strategy document that provided FSDU with a clear vision and three workstreams that focused interventions at all levels of the market on generating impact on target beneficiaries. This helped FSDU with the second challenge – targeting interventions and resources where it can make the biggest impact.

With a refreshed strategy, we then assisted FSDU with a critical part of strategy execution related to fundraising. We helped FSDU develop a funding application for the Gates Foundation on the basis of the revised strategy document. We also developed a new fundraising strategy which helped FSDU identify new potential funders aligned to FSDU’s strategic priorities and provided actionable initiatives for FSDU to increase its presence in the donor market. This assisted FSDU with the last challenge – communicating the value of its work to secure donor funding.

Mid-term review of project to support agri-finance innovation

Project name:
Mid-term evaluation of the Financial Inclusion for Smallholder Farmers in Africa Project (FISFAP)

Service:
Monitoring and evaluation
Financial inclusion
Agricultural finance

Sector:
Agriculture and Agribusiness
Financial services

Area of Expertise:
Evaluation & impact assessment

Client:
Alliance for a Green Revolution in Africa (AGRA)

Date:
2017

Country:
Ghana
Kenya
Tanzania


The Financial Inclusion for Smallholder Farmers in Africa Project (FISFAP) is a five-year USD 15.5-million project funded by the MasterCard Foundation and implemented by AGRA, which aims to improve food security and incomes of over 700 000 smallholder farmers in Ghana, Kenya and Tanzania. 

The project provides grants and technical assistance to organisations by developing innovations that improve farmer access to critical financial and non-financial services that can improve their productivity and operations. It also conducts a range of learning activities, aimed at crowding in financial service providers, governments and other organisations to deliver improved financial and non-financial products and services for smallholder farmers.

In 2017, in the third year of FISFAP’s implementation, Genesis was contracted to conduct a mid-term evaluation of the project and provide a review of the project to date. The purpose of the evaluation was to provide a reasoned and independent view of the performance of the project against its intended goals and objectives, as well as its design, achievement and challenges. 

The evaluation was conducted using a mixture of qualitative and quantitative data collection methods, including a desktop review; 42 key informant interviews with project staff, partner organisations, consultants and external stakeholders; site visits and focus group discussions with smallholder farmers accessing the products or services funded under FISFAP.

The findings were presented in eight key areas: progress against targets; partner selection and support; implementation successes and challenges; understanding and meeting clients’ needs; impact and additionality; financial sustainability, strategic alignment; and monitoring, evaluation and learning. 

Short evaluative overviews of each of FISFAP’s grantees were also provided. The evaluation concluded by providing recommendations to inform future strategy and identify course corrections to adjust project weaknesses as well as enhance and extend project strengths.

Strategy for financial inclusion unit of Ghanaian bank

Project name:
Strategy for the financial inclusion unit of a major Ghanaian bank

Service:
Strategy
Financial inclusion
Market systems development
Business and operating models

Sector:
Financial services
Retail banking

Area of Expertise:
Business model advisory
Operating model design
Capabilities mapping
Cost allocation models

Client:
Financial Sector Development Programme Africa (FSD Africa)

Date:
2014

Country:
Ghana


Our purpose was to assist a leading Ghanaian bank's Financial Inclusion Unit (FIU) to deliver on its overarching goal of having five million active accounts by 2018, and to identify ‘capability’ gaps that could potentially be supported by FSD Africa. The analysis involved a market opportunity analysis and internal capability assessment.

While it was clear that the goal was a stretch target, the analysis gave the initiative a green/amber light because, technically, the opportunity did exist and the bank had the three key advantages: it was the first mover in the mass market, it was given special dispensation by the central bank to run an agent network (the only bank in the market) and mobile-money solutions had not yet taken off.

Capability wise, however, the analysis highlighted numerous concerns. The operating model was not scalable (i.e. too many manual processes) and, structurally, the division was set up as a special project with duplicated main-bank functions (such as operations and IT) which substantially increased costs. Furthermore, a poor decision had been made about its IT platforms, i.e. a separate core-banking system had been built, which meant that customers from this segment could not interact with the main bank and vice versa.

The project concluded with the creation of a new organisational structure of a retail banking value chain continuum that eliminated the initial silo nature of the organisation. 

The business case investigation revealed key issues in terms of sales performances, card functionality and pricing. Together with overall process and systems problems, these formed the foundation for a list of key activities that would need to be undertaken for the unit to improve performance and achieve its goals. These key initiatives were then workshopped with key stakeholders in order to gain consensus and rank them in terms of priority. The bank decided to implement all of our recommendations.

Microfinance sector in Rwanda still needs support

Project name:
End of project evaluation for the Microfinance Challenge Fund Rwanda

Service:
Monitoring and evaluation
Market systems development
Financial inclusion

Sector:
Financial services

Area of Expertise:
Evaluation & impact assessment

Client:
Access to Finance Rwanda (AFR)

Date:
2017

Country:
Rwanda


Genesis Analytics evaluated the Microfinance Challenge Fund Rwanda and found that the Rwandan microfinance industry still needs support.

Genesis was contracted by Access to Finance Rwanda (AFR) to conduct the evaluation of the Microfinance Challenge Fund Rwanda, which was designed and capitalized by KfW to address the microfinance industry in Rwanda’s inability to self-correct on the issues of weak technical capacity and access to refinancing.

KfW signed a grant agreement with the Government of Rwanda for €3-million to be channelled through AFR for the support of microfinance institutions (MFIs), and in April 2014 the Microfinance Challenge Fund was established. The fund provided microfinance institutions (MFIs) with refinancing and technical training and assistance for a period of three years.

The purpose of the evaluation Genesis conducted was to provide a holistic review of the fund, including its projects, take stock of how the fund performed, and assess the degree to which its objectives had been achieved. 

The evaluation approach amalgamated a sector review and a framework of good Challenge Fund practices, to create an analysis framework. Data and information collected through a document review, and engagements with the sector, programme staff and clients then fed into this analysis framework to answer the evaluation questions posed and inform the option analysis.

Using the findings of this evaluation Genesis reflected on the lessons learnt through the fund’s implementation and conducted a feasibility analysis for a second phase. Finally, based on the evaluation and an assessment of the recommendations, we provided key considerations for AFR to consider when deciding whether to support and expand the fund.

The results of the project were presented in March 2017 to key stakeholders in the microfinance sector. Stakeholders present included representatives from the Bank of Rwanda, commercial banks, microfinance institutions, donor agencies, industry organisations and NGOs. A robust and frank conversation was facilitated between these stakeholders, where the issues facing the sector were aired and interrogated.

Value assessment of Access to Finance Rwanda

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Review shows way to increase financial access

Project name:
The midterm evaluation of the Scaling Financial Inclusion in Sub-Saharan Africa programme

Service:
Financial inclusion
Monitoring and evaluation

Sector:
Financial services

Area of Expertise:
Evaluation & impact assessment

Client:
A private foundation

Date:
2016 - 2017

Country:
Malawi
Tanzania
Zambia


Genesis partnered a prominent private foundation in the financial inclusion community to identify what it had learnt in expanding access to formal financial services across the continent.

In 2013, FINCA was awarded a more than four-year grant called Scaling Up Financial Inclusion in Sub-Saharan Africa (SFISSA). It was to expand its footprint and product offerings to low-income individuals in Malawi, Tanzania and Zambia through:
• Developing and rolling out new agent and mobile banking channels to serve rural and hard-to-reach communities;
• Training FINCA’s middle management and frontline staff to support the roll out of FINCA’s new delivery channels and products;
• Supporting the development, integration and analysis of social performance metrics into every aspect of FINCA’s operations.

The grant assisted FINCA during its major institutional transformation. FINCA was in the process of transitioning to a deposit-taking microfinance institution. It had previously never implemented mobile and agent banking and had to learn how to become more commercially driven (as opposed to meeting its historical social mandate).

We were contracted to conduct a mid-term evaluation of SFISSA to establish whether the project was aligned to the grant objectives and would deliver on its outcomes, and to offer recommendations to improve implementation. 

The evaluation used multiple research methods across the countries to triangulate findings. Data was collected from FINCA staff (FINCA documents, interviews with senior staff and appreciative inquiry with FINCA frontline staff), FINCA clients (focus group discussions with FINCA clients and interviews with non-clients and dropout clients) and FINCA partners (interviews with FINCA agents). By considering the programme through different perspectives, the evaluation captured key lessons in the implementation of alternative delivery channels, staff capacity building and social performance management at various levels. 

The evaluation found that the three above-mentioned components fitted well with FINCA’s vision. Going forward, key considerations were:
• Improving FINCA’s ability to sustain the investment in alternative channels through pricing and client uptake;
• Sustaining the training and staff capacity efforts once grant funding ended;
• Aligning the spend on research to business needs.

The lessons informed practical recommendations which have been used by FINCA to formulate its Year 4 plan, which is guiding the remainder of the grant. 

Specifically, the evaluation considered FINCA’s institutional constraints to help it assess how far it had progressed and to make better decisions in future. For example, the team recommended that FINCA should focus less on its mobile offering, because people were mostly using it to repay loans, and that agents needed a better value proposition from FINCA to ensure sufficient buy-in.

To further enhance use of the evaluation recommendations, country-level reports were developed, which focused on improving implementation at the branch level. 

Evaluation of Microcred’s plan to bank a million new customers

Project name:
Genesis evaluates Microcred’s Mass Market Financial Inclusion project

Service:
Monitoring and evaluation
Financial inclusion
Digital

Sector:
Financial services

Area of Expertise:
Evaluation & impact assessment

Client:
Microcred (now Baobab)

Date:
2017 - 2018

Country:
Cote d'Ivoire
Madagascar
Senegal


Microcred (now Baobab) is a leading digital financial inclusion group focusing on serving individuals, micro and small businesses in Africa and China. 

Microcred was awarded a $12-million grant by the Mastercard Foundation in 2015 to roll out its Mass Market Financial Inclusion (MMFI) project, which aims to provide access to key financial services for the unbanked populations of Senegal, Côte d’Ivoire and Madagascar (375 000 clients in each country). 

MMFI's objectives include:

• understanding clients' needs, demands and challenges; 

• developing and implementing customer-centric products and channels; and 

• building capacity of staff and agents.

Genesis Analytics was contracted to conduct an evaluation of the MMFI project. This involved two components: 

1. A baseline diagnostic review of the context in which the project activities take place. The baseline evaluation provided insight into the prevailing institutions/competitors in the market, regulatory framework and customer demand dynamics, as well as the relevance of the MMFI project activities. 

2. A mid-term evaluation that served to ascertain MMFI’s level of progress vis-à-vis its objectives in Senegal, Côte d’Ivoire and Madagascar and generated key learnings to inform the remainder of the project, as well as the Mastercard Foundation’s learning framework.

The evaluation was completed in February 2018 and included an in-depth desktop review, key informant interviews with Microcred staff at head office and subsidiary levels, a survey with 806 clients (leveraging Microcred’s call centres) and focus group discussions with clients in Senegal and Madagascar.

Final evaluation of YouthSave Initiative

Project name:
Final evaluation of the YouthSave Initiative

Service:
Monitoring and evaluation
Financial inclusion

Sector:
Financial services
Education
Public and Social
Africa’s youth wave

Area of Expertise:
Evaluation & impact assessment

Client:
The MasterCard Foundation

Date:
2014 - 2015

Country:
Canada
Colombia
Ghana
Kenya
Nepal


The YouthSave initiative was a five-year youth savings and financial education programme aimed at 12 to 18-year-olds in Canada, Colombia, Ghana, Kenya and Nepal. It was implemented by a consortium of four partner organisations (Save the Children, CGAP, New America and the Centre for Social Development and Washington University in St Louis) through partnerships with commercial banks and research institutions in each country. 

YouthSave had a substantial research, learning and advocacy agenda that was intended to inform youth-based savings products and policies in and beyond its target countries.YouthSave was one of the first long-term programmes that had been funded by the foundation. 

Genesis was contracted by the MasterCard Foundation to conduct a final evaluation of the YouthSave initiative. The purpose of the evaluation was to document the achievements of the initiative, highlight the lessons learnt during the programme so as to further contribute to the youth savings evidence base, and inform the MasterCard Foundation's approach to the funding and programming of long-term, multi-country programmes and partnerships.

The research methods included a review and synopsis of key documentation, participating in the YouthSave Learning and Exchange Conference in Toronto in March 2015, interviews with 97 stakeholders and focus-group discussions with young people in each of the four countries. 

The evaluation questions were analysed and reported according to five thematic areas which had been identified by the consortium as priority learning areas. While the evaluation captured the achievements of YouthSave, it provided insight into the design and implementation of large, complex programmes by a consortium of partners that had informed the foundation's funding and programming strategy. 

During the evaluation the team also revisited YouthSave's “theory of influence”. This is the creation of knowledge and information to achieve broader systemic impact for youth. It also identified the need for the programme's learning agenda to be taken further and to be disseminated at a country level. Since the evaluation, the YouthSave partners have achieved a high level of dissemination and held dialogue workshops in each of the project countries.

Unlocking competition in digital finance in Africa & Asia

Project name:
Unlocking competition in digital finance

Service:
Financial inclusion
Competition economics
Digital

Sector:
Financial services

Area of Expertise:
Digital transformation
Fintech market enablement

Client:
Confidential

Date:
2015 - 2016

Country:
Bangladesh
India
Kenya
Nigeria


Genesis was commissioned to study impediments to more effective competition in mobile money markets in four markets – India, Bangladesh, Kenya and Nigeria. The explosive growth in mobile money in a number of countries has made a key contribution to providing the poor with access to financial services.

At the same time, in some of these markets, the presence of dominant providers, inappropriate regulations, and other problems may prevent effective competition, to the detriment of consumers and to innovation.

The purpose of the study was to provide the client with insights into (i) potential regulatory or market-based solutions to identified problems; and (ii) how these might be promoted to improve competitive outcomes for consumers of digital financial services (“DFS”).

The team conducted the study by utilising four main tools i.e.:

  • A competition policy framework based on economic theory
  • An extensive literature review on DFS, payment systems, competition and regulation issues in network industries, and also in multi-sided platform industries
  • Stakeholder engagements in the four countries, i.e., DFS/MFS providers, regulators, banks and mobile network operators (MNOs)
  • Internal financial sector expertise and knowledge provided by the project leader, Richard Ketley.

In addition to various country-specific recommendations, Genesis identified the following cross-cutting priorities:

  • That appropriate regulation is required for USSD pricing. Cost-based pricing of USSD is a critical enabler of competition.
  • Regulators should drive full interoperability between competing MFS platforms
  • Regulatory capacity building is required at the interface between competition law and payment systems regulation to develop the pro-competitive regulatory approaches in future.

The findings of the report are that environments in which mobile network operators are able to offer mobile financial services, and there is a dominant player in the data and voice market, the potential for network effects to give the dominant provider market power is high.

This market power can be offset by appropriate regulatory interventions. It is less clear that these interventions will drive down the price of the services given demand elasticities for different product types.

Access-to-finance model for Mozambique

Project name:
Design of an access-to-finance programme in Mozambique

Service:
Financial inclusion
Strategy

Sector:
Financial services

Client:
Department of International Development in UK (DFID)

Date:
2012

Country:
Mozambique


A consortium of Genesis and the International Capital Corporation (Mozambique) was awarded the contract to design an access-to-finance programme in Mozambique. This was to be based on the model of the Financial Sector Deepening Trusts that DFID has established in various African countries including Kenya, Tanzania and Uganda.

 The consortium produced a detailed concept note exploring the access-to-finance landscape and opportunities in Mozambique. It also developed a focused business plan for the programme, which described recommended interventions and included an investment appraisal (a valuation of the programme's costs and benefits), a logical framework and a risk assessment that took political and economic considerations into account. 

Business case for development finance plan

Project name:
Opportunities for the deployment of development capital in Sub-Saharan Africa

Service:
Financial inclusion
Strategy

Sector:
Financial services

Client:
Financial Sector Deepening (FSD) Africa

Date:
2015

Country:
Ghana
Mozambique
Tanzania
Uganda


Genesis was appointed by FSD Africa to conduct research on the remaining opportunities for development finance in Sub-Saharan Africa.

The research played an important role in defining the scope for FSD Africa to provide development capital to the market. It also provided foundational information for the development of a new policy instrument for DFID and FSD Africa in the form of capital for development.

Our report to FSD Africa documented supply and demand gaps in a number of development sectors. It also included a set of recommendations on the deployment of development capital and addressed gaps in the financing of these sectors. These were accepted and formed the basis of a business case presented to DFID for financing.

Meet the Team

Areas of Service Expertise

  • Monitoring and evaluation
  • Financial literacy
  • Market systems development
  • Strategy
  • Product and channel innovation

Related Sectors

  • Retail banking
  • Business banking
  • Payments
  • Capital markets
  • Corporate and investment banking

Projects

Project

Mid-term review of largest UN project in digital finance

Genesis was contracted to conduct a mid-term evaluation of Mobile Money for the Poor (MM4P), the largest of the UNCDF’s programmes in digital finance. The evaluation was based on a theory-based approach and used the OECD DAC criteria as its guiding framework.

View Project
Project

Diagnosing MSME development challenge in Africa

Genesis partnered with a private foundation to diagnose the MSME landscape in four countries to understand the key growth constraints and programming opportunities for MSME development.

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Leading the team

Richard Ketley

Director and Managing Partner (Financial Services Strategy)

Richard Ketley
Director and Managing Partner (Financial Services Strategy)
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Comfort Phelane

Manager

Comfort Phelane
Manager
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​Alyna Wyatt

Partner (Evaluation for Development)

​Alyna Wyatt
Partner (Evaluation for Development)
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