ENLACE is as a non-regulated MFI whose mission is to contribute to improve the quality of life of microentrepreneurs by providing specialized services with presence in half of the country. ENLACE follows mainly a community credit methodology, which entails a deep social outreach.

DTA support

Develop a Digital Strategy, aligned to Corporate and Commercial strategies, that would allow ENLACE to strengthen its ability to scale and provide its clients with suitable financial services by prioritizing existing and new digital technologies, and equip staff with suitable tools to reach better levels of operational and financial performance.

Results

Digital strategy for ENLACE and training on updating the strategy.

Building block

• Strategy & Structure

Services

• Digital market & competitor analysis
• Digital maturity matrix
• Customer journey analysis
• Prioritization of problems/solutions
• Problems and solutions hackathon
• Digital roadmap
• Training on strategy updating

Red de Instituciones Financieras de Desarrollo (RFD Ecuador), is a non-profit Civil Corporation created in 2000. The RFD groups 51 institutions among banks, cooperatives and NGOs, oriented towards microfinance, popular and solidarity finance (financial inclusion) of the country.

DTA support

Provide capacity building on the design of a personalized digital strategy, including toolkit (i.e. methodology, customer journey formats) through a participatory process with selected RFD member institutions.

Results

Digital strategy methodology and capacity building to six microfinance institutions member of RFD.

Building block

• Strategy & Structure

Services

• Methodology and toolkit
• Digital market & competitor analysis
• Digital maturity matrix
• Training on design thinking and lean start up
• Prioritization of problems/solutions
• Final roadmap revision

FEPCMAC, an Association of Municipal Savings and Credit non-bank financial institutions (CMACs in spanish) in Peru, is made up of 11 CMACs that operate across the country in a decentralized manner.

DTA support

Provide capacity building on the design of a personalized digital strategy, including toolkit (i.e. methodology, customer journey formats) through a participatory process with selected CMACs.

Results

Digital strategy and roadmap and training on updating the strategy to five CMAC.

Building block

• Strategy & Structure

Services

• Digital market & competitor analysis
• Digital maturity matrix
• Prioritization of problems/solutions
• Profitability analysis (ROI)
• Digital roadmap
• Methodology
• Generic strategy and roadmap

FACES offers financial services to micro-entrepreneurs, especially women, in low income segments, mainly through individual lending,  in the South and Centre of Ecuador.

DTA support

Develop a Digital Strategy, aligned to Corporate and Commercial strategies, that would allow FACES to improve its competitive advantages, generate efficiencies, and help improve internal users performance and external clients satisfaction.

Results

Digital strategy for FACES and training on updating the strategy.

Building block

• Strategy & Structure

Services

• Digital market & competitor analysis
• Digital maturity matrix
• Customer journey analysis
• Prioritization of problems/solutions
• Profitability analysis (ROI)
• Digital roadmap

BRAC Uganda, serving around 200.000 clients at the time, with group as well as individual loans, and since 2019 also offering savings as a regulated bank.

DTA support

An integrated project set-up involving various BRAC departments, to identify pain points in the customer journey and internal processes. A description of locally relevant digital solutions, including their IT and financial viability, and preliminary prioritization.

Results

Digital strategy for BRAC and management empowered to make decisions on its core digital initiatives for 2019 and beyond.

Building block

• Strategy & Structure

Services

• Digital market & competitor analysis
• Customer journey analysis
• Digital strategy
• Profitability analysis (ROI)

Credisol through individual methodology attending more than 13,000 borrowers and 80% in the rural segment at the time; also offering savings products and non-financial services.

DTA support

Development of a digital strategy and roadmap, applying customer-centric approaches for final clients (external) and final users (internal), prioritizing most impactful and feasible digital initiatives.

Results

Digital strategy designed, pipeline of digital initiatives (roadmap), 9 staff trained on cost-benefit and ROI analysis.

Building block

• Strategy & Structure

Services

• Digital market & competitor analysis
• Customer journey analysis
• Digital diagnostics & maturity
• Digital culture diagnostics
• Profitability analysis (ROI)
• Innovation workshop

Crezcamos, through individual methodology attending more than 110,000 borrowers and 60% in the rural segment; also offering savings products and non-financial services such as educational programs.

DTA support

Development of a digital strategy and Roadmap (applying customer-centric oriented approaches for final clients (external) and final users (internal) prioritizing most impactful and feasible digital initiatives.

Results

Digital strategy designed, and a pipeline of digital initiatives (roadmap) developed based on impact, adoption feasibility and level of investment. Management able to make better-informed decisions and allocate resources more efficiently.

Building block

• Strategy & Structure

Services

• Digital market & competitor analysis
• Customer journey analysis
• Digital diagnostics & maturity
• Digital roadmap

Urwego Opportunity Bank, serving almost 140.000 clients with savings and loan products at the time, in the entire country.

DTA support

Evaluate the mobile channel ‘MHose’, from client and staff perspective. Evaluate the social and financial business case of introducing branchless banking.

Results

Evaluation report and evaluation tool for branchless banking implementations (ex-post).

Building block

• Strategy & Structure

Services

• Performance evaluation and improvement for digital channels and products
• Profitability analysis (ROI).

Musoni Kenya, providing group and individual loans to more than 33,000 clients at the time, and expanding into rural areas.

DTA support

Improvement of agri-loan product features and delivery process. Development of credit scoring approach for client onboarding and credit appraisal. Pilot testing.

Results

Credit scoring algorithm and improved agri-loan product ready for roll-out.

Building block

• Technology & Data
• Client & Value Proposition

Services

• Digital financial products & services design
• Data analytics/credit scoring

The Small Enterprise Foundation (SEF), targeting mostly group loans to >180,000 women at the time.

DTA support

An integrated project set-up, involving all impacted departments (Operations, IT, HR & training); well-structured IT development and field testing in four pilot branches; Training-of-trainers and the roll-out plan for the mass-deployment.

Results

A smooth roll out to 500 field staff, from April until September 2019. SEF branches are eagerly awaiting to start using tablets.

Building block

• Technology & Data
• People & Capacities

Services

• Profitability analysis (ROI)
• Implementation of digital field applications
• Training need analysis & development of training materials

NGO Stromme Foundation East Africa has organized – through local partners – about 106,000 persons into around 3,722 community based savings groups at the time, mainly in rural areas in Uganda.

DTA support

Assisting the Stromme project team in selecting the technical partner to provide the digital payments and e-recording for the groups. Promoting a human-centered product design and testing it with a small number of groups. Recommendation for Stromme on how to build a viable business model.

Results

Prototype for digital payments and e-recording (IMARA) and evaluation report of the pilot, including next steps for Stromme.

Building block

• Technology & Data
• Client & Value Proposition

Services

• Technical provider selection
• Implementation of mobile payments
• CANVAS & business model

Norandino, a cooperative at the time attending more than 8,400 borrowers and 72% in the rural segment with 80% of loans allocated to agriculture; also offering savings products.

DTA support

Develop a business case and a feasibility study to implement Automatic Teller Machines (ATMs) as an alternative channel, on selected branches, to provide a more convenient service to its members and ensuring client adoption to optimize the ATM usage.

Results

Feasibility study, a client awareness program and communication plan and four ATMs implemented.

Building block

• Technology & Data

Services

• Digital financial products & services design
• Profitability analysis (ROI)
• Feasibility plan for ATM implementation
• Awareness & adoption plan

Urwego Opportunity Bank, serving almost 140.000 clients with savings and loan products at the time, in the entire country.

DTA support

Mobile channel ‘MHose’ integration with existing Core Bank System, regulatory assessment, product, and marketing strategy, agent management unit set-up, training of staff on MHose.

Results

MHose mobile channel and agent network added as a new channel (with mVISA).

Building block

• Technology & Data
• People & Capacities

Services

• Implementation of mobile payments and agency banking
• Process mapping and efficiency improvement
• Development of training materials

For 21 microfinance institutions in Africa, Latin America, and the Caucasus.

DTA support

IT audit and improvement plan; assist in RFP s and selection of new MIS vendor; implementation new MIS; training of IT team.

Results

Insight in strengths, weaknesses, and risk of MIS system; business requirements for new MIS system clear; improvement of MIS systems; IT team in better positions to support the future growth of the institution.

Building block

• Technology & Data

Services

• Vendor selection & contracting
• Process mapping & efficiency improvement
• Performance evaluation and improvement for digital channels and products

Design thinking workshop for TJ clients in Central America & the Caribbean

DTA support

Deliver a technical workshop on Customer-centric approaches to build basic capacities to prepare for and support digital solution implementations.

Results

Four-hour technical workshop in El Salvador.

Building block

• Client & Value Proposition

DTA Services

• Innovation
• Customer-centric techniques
• Role plays

Agora Microfinance Zambia (AMZ), a fast-growing microfinance institution offering group and individual loans to almost 17,000 clients at the time, and with an ambition to expand in rural zones.

DTA support

Product design for agri-lending, supported by ALES method of Frankfurt School, pilot testing, training of staff to maintain the ALES-tool.

Results

Successful pilot for 5 crops, in two branches with quality loans to almost 300 clients, further expansion planned by AMZ in 2019 onwards.

Building block

• Client & Value Proposition
• Technology & Data

DTA Services

• Digital financial products & services design
• Development of training materials

Credisol through individual methodology attending more than 13,000 borrowers and 80% in the rural segment at the time, also offering savings products and financial and non-financial services.

TJAS support
Agile project management capacity development piloted on selection of projects from the digital strategy, before rolling out Agile scrum methodology to all the digital roadmap projects.

Results
Agile (scrum) project management capacities were transferred, three digital projects were piloted, 16 staff were trained

Building block

• People & Capacities
• Strategy & Structure

Services

• Agile project management
• Roll-out planning