PHB is a pioneer in the development and delivery of Digital Finance. Working with Impact Makers - to extend the reach of affordable and relevant financial services -  we co-create the design and implementation of innovative products and last mile-delivery channels for payments, credit, savings and remittances – all intended to be cross-cutting and enabling more people to better control and manage their financial lives.

We collaborate and coordinate with partners and stakeholders like you to develop and promote Conducive Ecosystems to embrace Digital Finance and seek alignment across issues related to policy, product, providers, partners and the people who we aim to empower. 

Working together we can identify viable and scalable use cases from across the payments spectrum - promoting interoperability, “coopetition” and improving the systems and processes that are needed to continually strengthen and extend the infrastructure of digital finance.  Supporting expansions of digital credit, e-KYC, blockchain and other technologies keep PHB at the leading edge of Digital Finance.

PHB instils cross-functional teams with the skills and confidence needed to lead digital transformations with successful marketing, products and compliance regimes.  Across Africa and Asia, PHB has impacted the lives of millions of end-users and created new on-ramps for them to participate in the digital economy.

PHB grounds the focus of our work in digital agriculture with the realities of smallholder farmers. It is hard to grow and sell enough crop to support and feed a family. Managing cash flow is difficult, and that lures many millions to migrate to overcrowded urban centres in search of paid work, at least for a while.

We address these challenges with a combination of approaches built upon extensive experience digitizing value chains and working with smallholder growers of rice, chilly, coffee, cocoa, tea and dairy from Cote d’Ivoire, Ghana, Nepal, Indonesia, Papua New Guinea to Uganda.  By starting with an Activity Based Costing assessment across the value chain and we can identify how the various actors can support, promote and benefit from digitization through inclusive participation: Our solutions will work if all actors see a positive Value Proposition. 

With these affirmative Value Propositions in place, additional interventions can provide layering of mobile information services regarding local information such as weather, market prices or pest management – like the farmers having an ‘electronic agricultural extension worker’ always by their side. To further expand to rural and remote areas – PHB brings insights to promote conducive ecosystems of local government, extension workers, payment processors and merchants to serve as the backbone for sustainable, rural digital economies.