26 April 2017

Banks and Fintech

Archive for: 2015
Graham SeelBankTech Consulting - Concord

Enabling Women’s Savings

03 September 2015  |  4472 views  |  1 comments | recommendations Recommends 0

Is a move toward digital savings a better answer to the financial needs of poor women than continuing to roll out robust savings associations? An excellent paper just published by Women’s World Banking pleads for more active consideration of gender in the design of digital savings products. The paper, “Digital Savings: the Key to Women’s Financia...

TagsMobile & onlineFinancial inclusionGroupFinancial Inclusion
Graham SeelBankTech Consulting - Concord

Bring Back the Men - To Savings Groups

08 July 2015  |  2009 views  |  0 comments | recommendations Recommends 0

From its modern beginnings with Grameen Bank, microfinance has focused on women. This made so much sense: they were traditionally underserved and financially disadvantaged, had clearer financial priorities, and were better risks. Savings groups as well have focused particularly on women in most parts of the world, again for very good reasons. But ...

TagsRetail bankingFinancial inclusionGroupFinancial Inclusion
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Graham Seel
Graham SeelBankTech Consulting - Concord

Rumors of the Imminent Demise of Cash

16 June 2015  |  2461 views  |  0 comments | recommendations Recommends 1

… are greatly exaggerated. This is very significant for financial inclusion. Many people are rightly considering how much easier financial inclusion would be, especially in rural areas, if we had a so...

TagsMobile & onlineRetail bankingGroupFinancial Inclusion
Graham Seel
Graham SeelBankTech Consulting - Concord

Informal Savings Groups as Enablers of Financial Inclusion

09 June 2015  |  2586 views  |  0 comments | recommendations Recommends 0

A major challenge for full financial inclusion is extension to the poorest households in rural areas. Even in the presence of access to mobile services, the lack of financial literacy, unawareness of ...

TagsMobile & onlineRetail bankingGroupFinancial Inclusion
Graham Seel
Graham SeelBankTech Consulting - Concord

All-Encompassing Lending Platform for the Poor?

01 June 2015  |  2742 views  |  3 comments | recommendations Recommends 0

Is that arrogant enough? But what if we could create a generalized digital lending platform that is specifically designed for the needs of the world’s poorest people? Is that remotely possible? What m...

TagsMobile & onlineInnovationGroupFinancial Inclusion
Graham Seel
Graham SeelBankTech Consulting - Concord

Lines of Credit for the Poor: Are They Safe

27 May 2015  |  1867 views  |  0 comments | recommendations Recommends 0

Should financial institutions offer lines of credit (such as overdraft facilities) for the very poor? The question is prompted by some comments on a couple of my earlier posts, in which concern is exp...

TagsRisk & regulationRetail bankingGroupFinancial Inclusion
Graham Seel
Graham SeelBankTech Consulting - Concord

Can Banks Really Meet the Financial Needs of the Poor?

20 May 2015  |  5551 views  |  7 comments | recommendations Recommends 0

We often talk about whether banking the poor can be profitable, as though that’s the only thing stopping banks from providing the financial services the poor need. But in reality, the bigger challenge...

TagsMobile & onlineRetail bankingGroupFinancial Inclusion
Graham Seel
Graham SeelBankTech Consulting - Concord

Financial Inclusion in a US Immigrant Community

15 May 2015  |  4297 views  |  1 comments | recommendations Recommends 0

The US Financial Diaries, which have been collected and analyzed over the past year or so by the Center for Financial Services Innovation in tandem with NYU Wagner’s Financial Access Initiative (FAI),...

TagsMobile & onlineRetail bankingGroupFinancial Inclusion
Graham Seel
Graham SeelBankTech Consulting - Concord

Not All Savings Are Created Equal

12 May 2015  |  2274 views  |  1 comments | recommendations Recommends 0

There is a tendency to talk about savings for the poor rather generically, as though there really is just one thing called “savings”. With credit, it is more obvious that there are short-term and long...

TagsMobile & onlineRetail bankingGroupFinancial Inclusion
Graham Seel
Graham SeelBankTech Consulting - Concord

Financial Inclusion Will Require Simplicity

06 May 2015  |  2350 views  |  1 comments | recommendations Recommends 0

Can we reach full financial inclusion in 5 years? Given the World Bank FI2020 goals, apparently our world leaders think the answer is yes. But those of us working in the commercial banking segment see...

TagsMobile & onlineInnovationGroupFinancial Inclusion
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