Context: The Central Bank of West African country wants to develop financial inclusion through mobile and branchless banking.

Objective: Identify the regulatory constraints that impeach mobile operators, financial institutions, and payment service providers to actively develop their services and deployments.

Deliverables: Synthetic presentation of the regulatory constraints mainly related to customer protection, open competition and interoperability, recommendations to overcome them at policy and regulatory levels, as well as with government payment initiatives.

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.