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Explore a snapshot of our experience
We partner with and serve communities, governments and companies throughout the world, providing an innovative mix of services across a broad range of topics.
Explore Our Impact
By region:
MENA
Assessing Potential Demand for Buy-Down facility
We assessed the potential demand for financing from a planned Islamic Development Bank (IsDB) Buy-Down Facility. Our work gave Bill and Melinda Gates Foundation (BMGF) and IsDB an indication of which low income and lower-middle-income OIC countries are most likely to seek financing from the Buy-Down Facility.
MENA
Tunisia Financial Sector Assessment
We assessed the financial sector in Tunisia to get a better understanding and identify the root causes of what limited firms, especially SMEs, from accessing finance.
GLOBAL
How can we better understand the behaviors of the under-served?
The Human Account is a breakthrough, public resource with the potential to significantly shift how financial service providers understand, invest in, design for, and engage the underserved.
SRI LANKA
Structuring a small and medium-size enterprise venture capital fund
We structured a small and medium-size enterprise venture capital fund and designed a bond issuance to support the plantation industry in Sri Lanka. We assessed the demand for seed and expansion capital among SMEs and made recommendations on the structuring of the fund.
GLOBAL
Direct-to-farmer finance innovation spaces playbook
We led collaborative research, design and ideation with the Initiative for Smallholder Finance to explore innovative models for direct-to-farmer finance providers to better serve smallholder farmers. Based on engagement with farmers, donors and providers, we identified five breakthrough opportunities for innovation.
SENEGAL
Launching the Senegal women’s investment club
We designed and launched a commercially-oriented investment platform where women can learn from one another. The Senegal Women’s Investment Club is the first initiative in the region to mobilize exclusively female investment into a broad portfolio that over time will bridge the gender finance gap by supporting women-led businesses.
AFRICA
Understanding financial services for micro, small, and medium enterprises
We worked with the World Bank to run a survey in Kenya, Tanzania, Rwanda, Uganda, Malawi and Zambia to help understand the accessibility and price ranges of services offered by banks, insurance firms and accountants to micro, small, and medium enterprises.
GHANA, KENYA
How would farmers measure the impact of financial solutions
We worked with the Rural and Agricultural Finance Learning Lab to better understand the impact of agricultural finance on farmers in Ghana and Kenya. We undertook in-depth interviews with farmers to understand their perspectives on success to inform future approaches to measuring impact.
GLOBAL
Identifying innovative financing mechanisms to reduce the cost of remittances
We were engaged by the Canadian International Development Agency to analyze the major cost drivers and market failures associated with international remittances.
INDIA
Reviewing the gender gap in financial inclusion in India
We completed a landscape review of the gender gap in financial inclusion in India to inform our client’s work in the broader financial services and gender ecosystem. We integrated findings into a set of behavior patterns, and highlighted key action items for different stakeholders.
GLOBAL
Increasing economic empowerment of women and girls through a global platform
We designed a global platform to support financial inclusion for the United Nations Capital Development Fund, aiming to increase economic empowerment of women and girls. We developed an empowerment framework, analyzed women and girls’ financial needs, mapped the financial inclusion space, and created operational and resource mobilization plans.
KENYA
Surveying digital payments in Kenya
We completed a baseline survey on an intervention project launched by FSD Kenya to stimulate e-payments. We collected baseline data on initial payments patterns, payments perceptions, and the implications of payments choices to assess levels of change at the end of the study.
MEXICO
FMO – Evaluation of Accion Frontier Investment Fund (AFIF)
Dalberg evaluate FMO’s investment in Accion Frontier Investment Fund (AFIF) at three levels: FMO’s investment in AFIF, AFIF’s investment into portfolio companies, and the portfolio companies’ impact on small businesses. Dalberg analyzed the landscape of fintech innovations in Mexico, South Africa and India, interviewed key stakeholders to distil key learning, and undertook a quantitative and qualitative survey of end users. The evaluation will be used by FMO to inform its fintech strategy going forward and to share learnings and impact with the broader audience.
INDIA
Designing innovative products and services to meet the financial needs of the poor
We worked with one of India’s largest MFIs to understand the customer experience of the urban poor, develop and pilot service improvements that meet the financial needs of customers, and create a playbook to help scale these improvements nationwide.
KENYA
Identifying innovative business models for direct-to-farmer financing
We conducted primary research with smallholder farmers and facilitated a multi-stakeholder system mapping and design lab to identify innovative business models for direct-to-farmer financing. We also created an innovation agenda for future product development investment.
INDIA
Studying inclusive businesses in India and Sri Lanka
We conducted a market scoping study of the inclusive business sector in India and Sri Lanka to understand how lack of debt and equity finance is limiting businesses’ growth and impact. We made recommendations on the design of a proposed Asian Development Bank inclusive business private equity fund.
NIGERIA
Assessing the effect of policy on financial inclusion in Nigeria
We assessed the effect of policy on financial inclusion in Nigeria through interviews with over 50 stakeholders from commercial and microfinance banks, mobile operators, and enabling institutions such as card companies and regulators. The resulting report bolstered advocacy efforts to increase access to financial services.
AFRICA
Mobile money innovation strategy for a pan-africa telecommunications company
We developed strategy recommendations and a high-level roadmap for a pan-African telecommunications company to move into mobile money services. Our assessments involved country selection, a quantified business case, revenue models, road map of next steps and a go-to-market strategy.
GLOBAL
Catalyzing the potential 8 Trillion USD digital persons-to-government payment industry
We completed the first-ever study to identify the opportunities and challenges of the potential 8 trillion USD digital persons-to-government (P2G) payment industry, with Karandaaz Pakistan and CGAP.
INDONESIA
Developing branchless banking infrastructure in Indonesia
In partnership with frog design and BTPN bank, we created a new bottom of the pyramid financial service offering using branchless banking infrastructure that is currently being piloted for roll-out and scale-up in Indonesia.
INDIA
Developing a customer experience playbook
n collaboration with CGAP and Janalakshmi Financial Services, we developed a Customer Experience Playbook. The playbook is designed to help financial service providers with low-income customers to improve customer experience and equip staff to transform their organizations.
GLOBAL
Measuring financial health in developing countries
Working together with the Center for Financial Services Innovation & the Center for Financial Inclusion at Accion, we sought to understand whether a global version of their financial health framework could advance our collective understanding of consumer behavior and deepen our appreciation of the impact of finance on personal well-being among the poor.
SENEGAL
Understanding smallholder farmers’ unmet financial needs
Dalberg partnered with CGAP and myAgro to conduct research, ideation and prototyping across Senegal to understand smallholder farmers’ unmet financial needs, prioritize new product propositions and design and prototype new solutions.
TANZANIA
Customizing digital credit for smallholder farmers in Tanzania
We explored the causes of smallholder farmers’ low uptake in digital credit in Tanzania by using an HCD approach. Based on our findings, we designed and prototyped a new digital credit product for smallholder farmers and evaluated their response to it.
INDIA
Currency of Trust
In partnership with Omidyar Network, we sought to understand the context and behaviors of Indian consumers regarding digital consumption and readiness for digital financial services. We leveraged in-depth interviews with consumers across urban, semi-urban, and rural areas, and human-centered design prototyping sessions, to uncover behavioral insights
GLOBAL
Small merchants offer big financial inclusion opportunities
We authored a report with the Global Development Incubator – and commissioned by VISA – on how financial service providers can engage micro and small merchants to unlock the social and economic benefits of digital payments.
Our Clients
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The Dalberg team is outstanding, agile, and thoughtful. They bring a wealth of knowledge and expertise to complex, multi-stakeholder projects. Dalberg’s work style is more collaborative than that of other consultants, and they also have a sharper focus on equity and inclusion – they became part of our team, not just consultants.
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I was very fortunate and privileged to work together with such a strong team. It’s hard to imagine that one can do better. The setup was just harmonious – your experience, expertise, dedication and last – but not least – the personality of all team members made this project an unforgettable professional experience to me.
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Dalberg gave us a clear picture of where we are headed and the capacity needed to get there... has become a trusted partner as we work to implement the recommendations.
