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Graham Seel

Principal Consultant
BankTech Consulting
Member since
17 Apr 2015
Location
Concord
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Followed by John Sims, Martha Boyle and 5 others you follow
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Graham's opinions

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Graham Seel

Enabling Women’s Savings

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...

03 September 2015 /inclusion Financial Inclusion

Graham Seel

Bring Back the Men - To Savings Groups

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 ...

08 July 2015 /retail /inclusion Financial Inclusion

Graham Seel

Rumors of the Imminent Demise of Cash

… 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 society that was fully digital in its financial activities. But even in a country like Kenya, that is a very, very long way off, so we must focus on an...

16 June 2015 /retail Financial Inclusion

Graham Seel

Informal Savings Groups as Enablers of Financial Inclusion

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 available services, and very small initial savings capabilities severely limit take-up and utilization of financial services. Well-constructed inform...

09 June 2015 /retail Financial Inclusion

Graham Seel

All-Encompassing Lending Platform for the Poor?

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 might it look like? This blog takes a high-level shot at this – not because I think have all the answers (duh!) but in the hope that it will generate s...

01 June 2015 Financial Inclusion

Graham Seel

Lines of Credit for the Poor: Are They Safe

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 expressed that banks have used overdraft facilities to push poorer households into overspending and overextending, resulting in significant overdraft fe...

27 May 2015 /regulation /retail Financial Inclusion

Graham Seel

Can Banks Really Meet the Financial Needs of the Poor?

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 is that standard consumer financial services simply won’t do. Even when poor households have access to formal or semi-formal financial services, the...

20 May 2015 /retail Financial Inclusion

Graham Seel

Financial Inclusion in a US Immigrant Community

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), provide some helpful insights into financial behavior, preferences and issues particularly for lower-middle class and poorer households in the US. T...

15 May 2015 /retail Financial Inclusion

Graham Seel

Not All Savings Are Created Equal

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-term loans, revolving lines of credit, credit cards, secured real estate loans, etc. Too often it seems that financial institutions have a rather o...

12 May 2015 /retail Financial Inclusion

Graham Seel

Financial Inclusion Will Require Simplicity

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 all sorts of barriers to financial viability. Just what would it take? A set of financial products that actually meet the needs of the poor and ver...

06 May 2015 Financial Inclusion

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Graham writes about

  • payments
  • regulation & compliance
  • retail banking
  • wholesale banking
  • start ups
  • financial inclusion

Graham's opinion archive

  • 2019 (1)
  • 2018 (3)
  • 2017 (2)
  • 2016 (23)
  • 2015 (12)

Groups created by Graham

  • Financial Inclusion

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Latest groups joined by Graham

  • Online Banking

  • Innovation in Financial Services

  • Financial Services Regulation

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Graham reads

  • CGAP
  • MicroFinance Gateway
  • Center for Financial Inclusion
  • Financial Inclusion Insights
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