"We at Opportunity Bank Uganda have worked with PHB Consultants in coming up with our digital financial services strategy. They engaged in research and are currently testing research findings on agency banking and new products. PHB is hands-on and always focus on the “customer-journey” in testing innovations. They are professional and courteous and have a wealth of experience to add value to financial institutions and mass-market organisations they work with. We would recommend them to any prospective acquirers of their service."

"PHB has been a strong partner for us. They are flexible and accommodating in working with us in challenging markets, and have demonstrated their commitment to supporting our advisory needs."

"Opportunity International has worked with PHB on a variety of DFS assignments over the past few years, covering implementation and improvement, evaluation and monitoring, and customer and staff training. We value the breadth and depth of knowledge and experience they have of DFS, particularly as it applies to the Micro-finance environment, coupled with their commitment to implement solutions in a manner that results in sustained and positive change. They are always sensitive to the local environment and culture and take the time to build good relationships with the staff they work with. We look forward to furthering fruitful engagements in the future!"

“Since more than 2 years now, it’s a real and continuous pleasure to work with PHB team.

I discovered a very professional and result oriented team that has great ability to work on multiple projects together but with the same level of focus and result. For me, one of the success factor is passion that the team has for bringing brightness in life of underserved people through design and development of tailored products and services that meet people needs and aspirations.

The second one is the relationship PHB team is able to build with stakeholders regardless of their culture, education level or race. This is a key element that make stakeholders involved and engaged on projects achievement and success.

Sure that we will continue to build together an ecosystem where people are getting out of poverty and financial exclusion to reach the amazing life of financial inclusion."