Go to Finance for Life
About
Finance for Life
BFA specializes in using finance to create solutions for low-income people around the world. We bring deep expertise in customer insights, business strategy, inclusive fintech, policy and ecosystem development to enable the next billions to strive for better lives.
Note from the editor

This publication brings together our learning and insights across BFA, our approaches and solutions that we have developed based on the needs of the low-income demographic and how they manage their finances day to day. Our work combines deep understanding of the customer, creating behavior change with smart UI and UX design, building and implementing fintech solutions, and working with a broader set of stakeholders and partners to create a thriving financial ecosystem. Learn more about our programs: Catalyst Fund, FIBR, OPTIX and RegTech for Regulators Accelerator by exploring our publication menu. We hope you find our content valuable.

Editors
Go to the profile of Jane Del Ser
Jane Del Ser
Cultivating learning about inclusive fintech, digital finance, MSMEs, PAYGo, superplatforms, machine learning and other fun stuff @www.bfaglobal.com
Go to the profile of BFA
BFA
BFA specializes in using finance to create solutions for low-income people around the world. Innovating for finance, for life. Visit www.bfaglobal.com
Go to the profile of Carmen Merab
Carmen Merab
Writer, inclusive fintech enthusiast. Assistant Communications Manager at BFA (www.bfaglobal.com) based in Nairobi.
Go to the profile of Jane Del Ser
Go to the profile of Akansha
Akansha
Tech for good | Passionate about Inclusive Fintech
Go to the profile of Damian Milverton
Go to the profile of Malika Anand
Malika Anand
Trying to talk, write, and think about development and pro-poor innovation more clearly @bfaglobal.com
Go to the profile of Daryl Collins
Go to the profile of Maelis Carraro
Maelis Carraro
Helping inclusive fintech startups and financial institutions create innovative solutions for emerging markets' consumers @bfaglobal.com and @catalyst-fund.org
Go to the profile of Stanley Mutinda
Go to the profile of Kevin Rejko
Writers
Go to the profile of Caitlin Sanford
Caitlin Sanford
Into economic justice, consumer financial health, management, social science and UX research.
Go to the profile of David del Ser
David del Ser
Loco about inclusive fintech
Go to the profile of Matt Grasser
Matt Grasser
Data Scientist • Product Hacker • Inclusive Technologist
Go to the profile of Maelis Carraro
Maelis Carraro
Helping inclusive fintech startups and financial institutions create innovative solutions for emerging markets' consumers @bfaglobal.com and @catalyst-fund.org
Go to the profile of David Porteous
David Porteous
CEO and founder, BFA; Chair of Digital Frontiers Institute
Go to the profile of Brendan Ahern
Brendan Ahern
Associate at Bankable Frontier Associates based in Somerville, MA who’s focused on generating creative solutions for the poor using finance and technology
Go to the profile of Asa Nyaga
Asa Nyaga
Product Manager. Software Development. Inclusive Fintech
Go to the profile of Julie Zollmann
Julie Zollmann
I’m a Kenya-based researcher doing work independently & with BFA (www.bfaglobal.com). I study the economic lives of ordinary people and small businesses.
Go to the profile of Ashirul Amin
Ashirul Amin
Data Whisperer • Development Consultant • Senior Associate at BFA (Bankable Frontier Associates)
Go to the profile of Sushmita Meka
Sushmita Meka
Passionate about financial inclusion, technology, and design. www.bfaglobal.com
Go to the profile of Jacob Winiecki
Jacob Winiecki
Posts on energy access, digital finance, pay-as-you-go solar and financial inclusion at @BFAGlobal. @SimpaNetworks co-founder #paygo #solar
Go to the profile of Kelly Nguyen
Kelly Nguyen
Kelly Nguyen is an Associate in the Inclusive FinTech Practice at BFA (http://bfaglobal.com). Twitter: @kellynhien
Go to the profile of Benson Gathecha
Benson Gathecha
Data Scientist • Inclusive Technologist • Associate at BFA(Bankable Frontier Associates)
Go to the profile of Amolo Ngweno
Go to the profile of Amolo Ng'weno
Go to the profile of Gabriela Zapata Alvarez
Go to the profile of Javier Linares
Javier Linares
Helping fintech startups and financial institutions find creative solutions to serve low income clients in emerging markets. bfaglobal.com
Go to the profile of Wajiha Ahmed
Wajiha Ahmed
International UX researcher helping fintech startups and financial institutions find creative solutions to better serve their customers
Go to the profile of Sebastian Barrera
Go to the profile of Mike McCaffrey
Mike McCaffrey
Mike McCaffrey manages an independent financial technology advisory called Ulana Insights.
Go to the profile of Yoann Berno
Yoann Berno
Founder at Flowigo | CleanTech and Blockchain entrepreneur
Go to the profile of Jonathan Duarte
Go to the profile of Natalia Gómez
Go to the profile of Nancy Widjaja
Nancy Widjaja
Policy Adviser @UNSGSA; Alumni of @accionvlab @BCG @NewsAFI @UNCDF; overall financial inclusion & ICT4D enthusiast; strategist; wanderer; aspiring raconteur.
Go to the profile of Abi Steinberg
Abi Steinberg
Focused on deepening & accelerating financial inclusion in emerging economies @BFAGlobal Program manager for @http://www.fibrproject.org
Go to the profile of Daniel Waldron
Daniel Waldron
Writes on financial inclusion, digital finance, energy access and clean water. Professionally digital, personally analog.
Go to the profile of Rasima Swarup
Go to the profile of Rasima Swarup
Rasima Swarup
Deepening financial inclusion in emerging markets by helping fintech startups and finding new ways for finance to reach the un/underserved @bfaglobal.com
Go to the profile of Michelle Hassan
Michelle Hassan
Passionate about financial inclusion especially for MSME and refugees www.bfaglobal.com
Go to the profile of Anne Gachoka
Anne Gachoka
Passionate about financial inclusion world.Associate @bfaglobal
Go to the profile of Stanley Mutinda
Go to the profile of Shirley Mburu
Go to the profile of Veethi Vyas
Go to the profile of Kunal Garg