Context:
MTN wants to set up a payment ecosystem around the Zemidjans (moto-taxi drivers in Benin), using mobile money as a solution to the challenges they face:

Phase 1: Addressing security and liquidity issues with the implementation of merchant payment.

Phase 2: Addressing a lack of means to meet their ambitions with a digital group savings product (“tontine”).

Objectives: The general objective of this project is to increase the adoption of digital financial services by the Zemidjans.  The rationale is to make Zemidjans brand ambassadors promote the benefits of mobile money to the rest of the population. To this end, the project aims to develop merchant payment, testing different tools (NFC, QR code, Mobile App and USSD) and different value propositions for both merchants (Zems and Zems’ providers – i.e. gas stations) and end-clients.

Deliverables:

• Conduct research to identify factors for adoption: Stakeholder interviews, HCD research with Zemidjans, merchants (gas station, food providers, mechanics, etc.) and Zems clients
• Identify value propositions for all players within the ecosystem (Zems, merchants, clients)
• Build a business case for each of the payment solutions (NFC, QR code, Mobile App and USSD)
• Define a communication /education strategy to train Zems, clients and merchants on how the payment works
• Train and support the Zemidjans to use the different solutions (NFC, QR code, USSD)
• Test the solutions during a 6-months pilot
• Share knowledge on learnings and findings through blogs and other materials (video, pictures).

Context:
The general objective of the assignment is to support BIO’s financial sector clients in their digital journey by conducting an assessment of their financial institutions and providing an analysis for the most suitable candidates on the necessary support needed to move forward with their digitization process. Our analysis will be based on 2 components: 1) the use of an online survey tool for the data collection 2) a follow-up call from the consultants to help complete any missing information.

Objectives:

1. PHB will analyze the digitalization degree, challenges and ambition of each financial institution using the results of the data collected through the survey and follow up calls.
2. PHB will identify market potential and formulate recommendations, grouping institutions with similar journeys, ambitions and willingness to improve their digitalization degree and in need of external support to do so. We will also indicate the follow-up support needed for each of the groups, using the 6 DFS business models as defined in the toolkits created with MicroLead and The MasterCard Foundation to describe the business model that best fits each selected FI.

Deliverables:

• Reviewed the original questionnaire prepared by BIO
• Selected an online survey tool – Survey Hero
• Translated into French and Spanish and encoded
• Sent survey to 30 Institutions and performed follow up calls with most
• Data Analysis
• Workshop with BIO to review results and analyze findings
• Final report

Context: Since 2009, PAMECAS, in collaboration with ADA, is promoting the savings of Senegalese migrants. Pamecas wishes to adapt its product and services for migrants residing in Spain.

Objective: Perform a market study about the needs of Senegalese migrants in Spain and suggest improvements for the Pamecas remittance products.

Deliverables: Market study identifying the characteristics of the Senegalese diaspora in Spain and their needs for financial services; Product development plan to improve the current products (features, pricing, operations, promotion, distribution); Financial/business model; Action plan for Implementation.