What is the key ingredient to a successful digital transformation?  A customer-centric approach

  It is no secret that microfinance institutions (MFIs) are driven to digitize or die…  […]

If the Gender Gap for financial inclusion is improving – why do we still have so much evidence to the contrary?

The recent Global Findex indicates that the gender gap in access to financial services has […]

Fintech in Asia

The secret to advanced fintech in Southeast Asia’s poorest countries “Covid has catalysed digital payments […]


Motivated by the desire to improve collaboration with our partners, we recently offered a Certified Scrum Master (CSM) training in Uganda.

An investment in knowledge pays the best interest

Financial Literacy training for the refugees of Uganda.   The international community has praised Uganda […]

Mobile Money

Chronic drought and conflicts have brought widespread famine and misfortune to the land-locked West African country of Niger.

PHB Co-hosts Roundtable on Practical Adaptation to Climate Change

“Innovative Adaptation in Africa and Asia: Water, Agriculture and SDGs” was the theme of the meeting, which was held at the Humanity Hub, a rally point and working/meeting place of “doer” organizations which are “innovators in peace, justice, and humanitarian action.”

PHB working through the lens of the SDGs

The financial inclusion sector is realizing the value of applying the UN Sustainable Development Goals (SDGs) as a way to shape activities, and PHB embraces this direction. Here’s a look at a few of our activities that correspond with selected SDGs.

Report: Supporting a ‘New Channel’ of Agency Banking in Uganda for UNCDF

It was a pretty big deal when UNCDF partnered with five banks in Uganda to design and roll out agency banking throughout the country of some 43 million people.

The Emergence of Digital Financial Services in Lao PDR

PHB Development has worked in close consort over the past four years with UNCDF* to develop a Digital Financial Services (DFS) ecosystem in what was previously a greenfield environment for digital payments.

Agriculture and displacement: PHB at UN Climate Conference

PHB is taking part in COP24 in Katowice, Poland, to highlight initiatives to support the adaptation of agriculture and financial inclusion for displaced persons.

PHB in digital adaptation to climate change

Adaptation of agriculture to changing climate patterns and potential increases in refugees will be among topics discussed at the 8th meeting of The Hague Roundtable on Climate & Security on 4 December.

A path-in-progress toward financial inclusion

Ruth Thiemele-Kadjo shares highlight of her professional path so far, and what motivates her work on financial inclusion initiatives in this interview ofa Mobile Money agent in rural Senegal.

Mama-Bank Access Points in rural Papua New Guinea

The MAP initiative is a pilot from Women’s Micro-Bank Limited (WMBL) through a partnership with UNCDF’s Pacific Financial Inclusion Programme (PFIP).

The mWater story through photos: Water accessibility with DFS+

How can digital finance assist the poor in attaining basic necessities? DFS+ is a term for digital financial services that enable the poor to have better access to basic utilities of life including health services, water and education.

PHB Academy: Translating lessons into action

What did we learn? How did we learn? What do we do now? These were the central questions of the final learning event that PHB Academy facilitated for CARE POWER Africa.

PHB supporting MTN Benin in digital payment solutions for moto-taxi drivers

They buzz past in Benin’s largest city of Cotonou, bypassing congested traffic and going off-road when needed to deliver customers to their destinations.

The journey toward digitalization for maize farmers in Uganda

“Digital operations are more efficient for multiple parties over greater distances, and cash-less transfers at the trader level enable more timely delivery of payments to farmers.

Increasing peace and prosperity amid climate impacts

With rising temperatures and declining water resources in more regions, a special meeting of The Hague Roundtable on Climate & Security at George Washington University focused on “Climate Risks and Resilience – Highlighting Initiatives to Face Common Challenges.”

Gender-inclusive digital for true financial inclusion

Women in some countries have been historically under-represented in digital outreach and may tend to lag men in the uptake of newly-offered digital products.

PHB at European Microfinance Week: Human-centric design, right to housing and empowering women

The European Microfinance Week 2018 brought together nearly 500 microfinance professionals from more than 60 countries to share expertise on human issues that can be improved through further cooperation in the evolving financial inclusion sector.

PHB Academy Embarks on new DFS Training Initiatives in Uganda

“Complex issues were made understandable, drawn from extensive Ugandan and global experience,” said Tamsin Scurfield of Opportunity International about participating in a recent PHB Academy training in Kampala, Uganda.

Increasing use of Mobile Money in Low-income Areas

The implementation of mobile money in developing countries is aimed at having the highest positive impact on the livelihoods of the poor.

Sustainable Technology Adaptation for Mali’s Pastoralists

G4AW aims to stimulate the use of satellite gathered weather and biomass information, distributed via mobile phones to smallholder farmers, pastoralists and fishermen in developing countries, thus enabling sustainable yield and production increase.

Adapt or Die! A Changing Landscape for Microfinance

“A large part of the financial sector is not adapting well to new market environments and seems to have lost focus on the mission to provide financial services to the poor,”

Work (and play) in an Active PHB Summer

PHB Development recognizes the importance of a healthy of balance work and home life, so while many of our associates and clients are enjoying summer holidays, we also ensure that existing client needs are met in a timely manner.

Interview with PHB Associate Emmanuel Mudahemuka

Emmanuel Mudahemuka is based in the Netherlands and specializes in external mid-term and post evaluations of programs for regions including North Africa.

Interview with Pall Kvaran

PHB Development values the diversity and innovation that its consultants can bring to developing financial inclusion systems nearly anywhere on the planet. PHB Associate, Pall Kvaran, recently shared views from his current work in Uganda.

Helping Refugees through Financial Inclusion

The needs of an estimated 22.5 million worldwide refugees fleeing conflict and instability go well beyond food and shelter.

Agents-The Revolution on the Ground in Lao PDR

The mixed emotions of excitement and nervousness would be the best way to describe how new branchless banking agents feel in the Lao People’s Democratic Republic (Lao PDR).

The Roaming Agents of Lao PDR

This pilot initiative is supported by the UNCDF Making Access to Finance More Inclusive for Poor People (MAFIPP) programme jointly operated with the Bank of Lao PDR, with support from the Australian Government and technical assistance from UNCDF MM4P.

Creating a new world of banking in Lao PDR A vision for branchless banking realized

On 12 May 2015, the first branchless banking transaction was completed in a rural village in the Lao People's Democratic Republic (Lao PDR).

10th Digital Finance Working Group in Lao PDR is a clarion call for Digital Finance

On 12 May 2015, the first branchless banking transaction was completed in a rural village in the Lao People's Democratic Republic (Lao PDR).

Community development through digital finance in Lao PDR

Sending children away from home for higher education is considered a requirement for parents to build their children’s future.

Building digital financial service networks in Lao PDR

building multiple and varied relationships within this developing environment for digital financial services (DFS).

Human Centered Design Study

PHB consultant Lisa Chassin recently completed a Human Centred Design study in Lao PDR with UNCDF and Unitel for the introduction of the first-ever mobile wallet.

Rural Development & Financial Inclusion

People in rural and low-income areas can now open new economic opportunities to participate in even basic systems which they previously could not access.

PHB Days 2017

The team of PHB Development partners and associates shares the goal of making a positive social impact with their work.

Digital Financial Services: Bringing Stability to Small Farms so They Can Grow

The use of DFS such as agricultural microcredit can lead to key contributions in the improvement of value chains, from the timely acquisition of quality raw materials to the methods of storage and implementation.

MoKash is Calling Up a Future of Mobile Financial Possibilities in Uganda

MoKash is helping more than a million subscribers when and where they need to meet opportunities and demands that require ready access to money.