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What We Do

Three practice areas. Each engaged for a specific outcome.

Not a menu of isolated tasks, but a connected ecosystem view of financial inclusion, delivered through a disciplined six-stage process.

An institutional boardroom set for a strategy engagement

Institutional Performance & Portfolio Quality

For banks, MFIs, DFIs and fintechs that want to grow MSME lending without growing non-performing loans.

Outcome: lower NPLs, stronger MSME portfolio quality, and a credit relationship that works for both lender and borrower.

  • MSME Portfolio Diagnostic: assess portfolio quality, identify NPL drivers, segment borrowers by risk
  • Lender Readiness Advisory: credit policy, product design, process optimisation
  • Borrower Financial Literacy Programme: structured education to improve repayment discipline
  • DFS Integration Advisory: digitise onboarding, collections, reporting; channel & MNO strategy
MSME founders and entrepreneurs in a working discussion
  • Financial Management Coaching: cash flow, budgeting, record-keeping, investment readiness
  • Credit Readiness Programme: documentation, statements, borrowing discipline
  • Fractional CFO & Finance Advisory: P&L management, business case development
  • Executive Coaching & Investor/Board Readiness
  • Growth Accelerator Programme: pitch coaching, investor readiness, cohort programmes
  • AI & Digital Tools for Business

MSME Growth & Financial Capability

For MSMEs, cooperatives, VSLAs, founders and the development organisations serving them.

Outcome: credit-ready MSMEs, stronger business performance, higher loan uptake, and better repayment.

Digital dashboard representing DFS and data-driven financial strategy

Inclusive Finance Strategy & Digital Transformation

For DFIs, development organisations, regulators, and financial institutions designing systemic change.

Outcome: scalable, evidence-based financial inclusion programmes; institutions equipped to serve the last mile profitably.

  • Financial Inclusion Strategy Design: market assessment, segmentation, product & channel strategy
  • DFS & Payments Strategy: digital product design, MNO/fintech partnership strategy
  • Programme Design & M&E: results frameworks, indicators, donor-ready reporting
  • AI Literacy for Financial Institutions: responsible AI use in credit, compliance, analytics

How We Work

A disciplined six-stage process.

Every engagement, in any practice area, follows the same process, from diagnosis to measurable, sustained results.

To Do, Doing, Done: visualising the discipline behind our process
1
Discover
2
Assess
3
Design
4
Implement
5
Measure
6
Scale

Who We Serve

Five segments, one connected ecosystem.

Each segment enters through a different practice area, but the work compounds across all three.

Banks & MFIs

Growing MSME lending without growing NPLs.

Fintechs & Digital Lenders

DFS and payments strategy built for scale.

MSMEs & Cooperatives

Becoming genuinely credit-ready and bankable.

DFIs & Development Organisations

Designing programmes that hold at scale.

Regulators & Government

Practical, private-sector-informed policy input.

Engagement Models

How we structure the work.

ModelDescription
Diagnostic Sprint2–4 week rapid assessment with prioritised recommendations
Advisory RetainerOngoing monthly strategic advisory
Programme DeliveryStructured programme with defined outputs and timeline
Embedded AdviserPrincipal embedded within your team for a defined period
Workshop & TrainingHalf or full-day sessions: DFS, financial & AI literacy, credit readiness

Scope and fees are agreed per engagement, based on your objectives and timeline.

Not sure which practice area fits?

Tell us about your challenge, we'll help you find the right starting point.

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