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    We’ve been trusted by many top-tier clients, from large multinationals to local banks, and from international government organizations to fintech start-ups.

    Some of our global innovation projects


    • Strategic planning for new payment product
      Vodafone M-Pesa
      Multiple markets

    • Boosting user adoption for education and agriculture payment products
      Mastercard Labs
      East Africa and South Asia

    • Boosting user adoption for education and agriculture payment products
      Mastercard Labs
      East Africa and South Asia

    • Developing a diagnostic tool for Government-to-Person Payments for COVID-19 response
      International Monetary Fund
      Global

    • Authoring a thought-leadership report on the $19 trillion merchant payment opportunity
      World Economic Forum and World Bank
      Global

    • Developing customer segmentation strategies to boost adoption
      GSMA Mobile Money Program
      Latin America

    • Leading a Design Thinking session for Digital Transformation
      International Financial Corporation (IFC)
      Middle East and Africa

    • De-risking a geolocation-based feature for an Indian fintech’s new smartphone app
      Eko and CGAP
      India

    • Developing an innovation learning agenda for FMCG supply-chain payments
      Better than Cash Alliance
      Latin America

    • Supporting digital transformation for a large agribusiness company
      MercyCorps AgriFin and Flour Mills of Nigeria
      Nigeria

    • Scoping a Design Lab for a leading regional bank in Asia-Pacific
      Bank of South Pacific, United Nations Capital Development Fund
      Solomon Islands

    • Quantitative consumer survey on remittances
      United Nations Capital Development Fund (UNCDF), Human Rights Commission (UNHCR)
      Democratic Republic of the Congo

    • Optimizing the business model design for a fintech startup’s market expansion
      Kopo Kopo
      Kenya

    • Leading an interactive Design Thinking workshop for a large US government contractor
      DAI
      Global

    • Understanding how users interact with mobile money to optimize Merchant Payments Interoperability
      International Finance Corporation
      Tanzania

    • Concept testing linking mobile money-based international remittances to bank accounts
      UNCDF, National Bank of Samoa and Digicel
      Samoa

    • Estimating market demand for goods and services for Forcibly Displaced Persons
      FSD Africa and ELAN RDC
      Democratic Republic of the Congo

    • Understanding the needs of female farmers and market vendors for an agriculture marketplace app
      United Nations Development Program (UNDP) Accelerator Labs, UN Women, UN Pacific Financial Inclusion Program (PFIP)
      Fiji

    • Comprehensive landscape report on bank and non-bank agent models
      Financial Sector Deepening Mozambique
      Mozambique

    • Facilitating cross-industry workshops for payment interoperability
      DAI
      Haiti

    • Delivering a practical, hands-on training in user-centered innovation
      Financial Sector Deepening Trust
      Tanzania

    • Demystifying electronic payments through two briefs
      FHI360 and USAID
      Global

    • Revamping digital money transfer services to serve migrants in Europe
      Ecobank Ghana
      The Netherlands and Ghana

    • Revamping digital money transfer services to serve migrants in Europe
      Ecobank Ghana
      The Netherlands and Ghana

    • Crafting new credit products for young women
      Brac
      Sierra Leone and Liberia

    • Crafting new credit products for young women
      Monrovia
      Sierra Leone and Liberia
    • Where we’ve worked
    • View Case study


    Strategic planning for a new M-Pesa payment product

    Vodafone M-Pesa
    Multiple markets

    Developing a long-term product strategy for a new payment product for the Vodafone M-Pesa team across multiple markets.


    Boosting user adoption for education and agriculture payment products

    Mastercard Labs
    East Africa and South Asia

    Providing concrete, user-centric recommendations to grow two flagship products for Mastercard Lab for Financial Inclusion.


    Authoring a thought-leadership report on the $19 trillion merchant payment opportunity

    World Economic Forum and World Bank
    Global

    Publishing a landscape report on bringing innovations in electronic payments to small merchants in emerging markets.


    Revamping digital money transfer services to serve migrants in Europe

    Ecobank Ghana
    The Netherlands and Ghana

    Using our flagship end-to-end Holistic Innovation Stack™ Methodology to help Ghana’s largest bank craft a comprehensive service to its users in both Europe and Africa.


    Delivering a Design Thinking session for Digital Transformation

    International Financial Corporation (IFC)
    Middle East and Africa

    Leading a customized, interactive session on Design Thinking for financial institution practitioners.


    Building a diagnostic tool for Government-to-Person Payments for COVID-19 response

    International Monetary Fund
    Global

    Creating a framework and diagnostic tool for local IMF teams to rapidly assess a country’s capabilities to distribute government transfers to its citizens.


    Developing customer segmentation strategies to boost adoption

    GSMA Mobile Money Program
    South America

    Proposing the optimal blend of customers, channels, and products to help an aspiring fintech company drive user adoption.


    Crafting new credit products for young women

    BRAC International
    Sierra Leone and Liberia

    Using design research and product strategy to help a leading microfinance institution target an underserved market segment.


    Creating an innovation learning agenda for FMCG supply-chain payments

    Better than Cash Alliance
    Latin America

    Developing a long-term vision to aid Fast Moving Consumer Goods (FMCG) companies in scaling digital payment efforts for small merchants.


    De-risking a geolocation-based feature for an Indian fintech’s new smartphone app

    Eko and CGAP
    India

    A rapid assessment to help a leading Indian start-up better design an “Uber-like” cash-out feature for its domestic money transfer business.


    Guiding Digital Transformation for a large agribusiness company

    MercyCorps AgriFin and Flour Mills of Nigeria
    Nigeria

    Providing key research building blocks to enable digital transformation for one of Africa’s largest agri-businesses.


    Scoping a Design Lab for a leading regional bank in Asia-Pacific

    Bank of South Pacific,
    United Nations Capital Development Fund
    Solomon Islands

    Providing the blueprint for a bank’s planned innovation unit in a resource-constrained environment.


    Implementing a quantitative consumer survey on remittances

    United Nations Capital Development Fund (UNCDF),
    Human Rights Commission (UNHCR)
    Democratic Republic of the Congo

    Conducting a demand-side survey on domestic and international money transfer usage among forcibly displaced persons as well as identifying supply-side and regulatory obstacles.


    Optimizing the business model design for a fintech start-up’s market expansion

    Kopo Kopo
    Kenya

    Helping executives of a fast-growing, venture-backed fintech start-up determine the best way to expand beyond its home market.


    Leading an interactive Design Thinking workshop for a large US government contractor

    DAI
    Global

    Coaching global teams and units on using Design Thinking principles and tools in international development.


    Analyzing how users interact with mobile money to optimize merchant payment interoperability

    International Finance Corporation
    Tanzania

    Helping Mobile Network Operators come together to design interoperable merchant payments through rigorous research and practical business insights.


    Concept testing a mobile money-based international remittances product linked to bank accounts

    UNCDF, National Bank of Samoa and Digicel
    Samoa

    Working with the country’s largest bank and mobile operator to capture bank deposits from overseas money transfers.


    Estimating market demand for goods and services for Forcibly Displaced Persons

    FSD Africa and ELAN RDC
    Democratic Republic of the Congo

    Highlighting the surprising buying power of refugees and internally displaced persons in one of the most fragile states in the world.


    Understanding the needs of female farmers & market vendors for an agriculture marketplace app

    United Nations Development Program (UNDP) Accelerator Labs, UN Women, UN Pacific Financial Inclusion Program
    Fiji

    Discovering core needs, challenges, and opportunities for UNDP’s flagship PacFarmer smartphone app to boost adoption among target users, especially women.


    Producing a comprehensive landscape report on bank and non-bank agent models

    Financial Sector Deepening Mozambique
    Mozambique

    A deep-dive assessment on models to expand financial services in the country through bank and non-bank agents.


    Facilitating cross-industry workshops for payment interoperability

    DAI
    Haiti

    Using a co-creation approach to develop short-term and long-term visions for payment interoperability in Haiti.


    Delivering a practical, hands-on training in user-centered innovation

    Financial Sector Deepening Trust
    Tanzania

    Leading a 3-day offsite session on Design Thinking and Lean Start-Up to over 30 industry participants in the financial services sector.


    Demystifying electronic payments through two briefs

    FHI360 and USAID
    Global

    Developing an easy-to-read guide on electronic payment and mobile money fundamentals for international development field practitioners.

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    Read our latest thinking

    Browse our collection of research reports, conference presentations, and thought-leadership articles on fintech trends and innovation methodologies.

    World Economic Forum and World Bank

    Innovation in Electronic Payment Adoption

    International Finance Corporation (IFC)

    User Insights for Interoperable Merchant Payments

    Financial Sector Deepening Mozambique

    Assessment of Bank and Non-Bank Agent Models

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