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SERVICES FINANCIERS NUMERIQUES ET BANQUE A DISTANCE
Ayani propose des services de conseil dans le domaine des services financiers numériques, ce qui inclut les services financiers via le téléphone mobile et les réseaux d'agents bancaires.
Quelques exemples récents de projets du cabinet dans ce domaine incluent:
- Une analyse de rentabilté visant à mieux servir les clientes agricultrices en services numériques financiers et non-financiers dans 3 pays africains;
- Le détachement d'un responsable des finances auprès d'une société pionnière en paiements électroniques. À la fin du projet, le client était en mesure de servir 100 000 utilisateurs de cartes via 1 800 points d'accès;
- L'évaluation des mécanismes facilitant les transferts de fonds par les commerçants travaillant dans plusieurs pays d’Afrique de l’Ouest avec différentes monnaies;
- L'assistance auprès d'une banque centrale dans la mise en place de services de banque à distance dans les zones rurales;
- La conception d'un produit d'épargne rurale sur portefeuille électronique pour des groupes et des particuliers, accompagnée d'un appui technique aux institutions financières, aux agents et aux utilisateurs finaux pour le bon usage de ces produits;
- Le soutien à une institution de microfinance de premier plan dans l'élaboration d'un plan d'affaires pour offrir un service de transfert de monnaie électronique en collaboration avec un opérateur de téléphonie mobile.
PROJETS PHARE
Expansion of women's financial inclusion through digital financial services in Mozambique
Ayani is working with the Improving Women’s Access to Financial Services initiative, which has the objective of assuring access to financial and non-financial services to women. The project focuses on assuring access to sustainable savings and credit services from autonomous savings and loans groups, including the consolidation of existing groups as well as the reinforcement of service providers to promote appropriate innovations to low income populations in rural areas.
Within this context, Ayani is carrying out an assignment to reinforce and/or introduce linkages between women’s savings groups and mobile banking services offered by mKesh, M-PESA and other electronic money platforms, payment and transfer services. Ayani formulated a strategy, developed and is delivering training materials for agent networks, as well as TOTs for equipping end users to effectively access and use services. Ayani is also designing an M&E framework using results chain- and theory of change- based internationally recognized standards for a private sector development monitoring system.
Assessing the business case to better serve female farmers through digital financial and non-financial service in Ghana, Kenya and Tanzania
Ayani was hired by AGRA to undertake a business case analysis of AGRA partners’ proactive inclusion of women smallholder farmers in delivering agribusiness and agricultural finance products in African countries. The objective of this assignment was to identify costs and benefits of adapting approaches, product features, marketing, and delivery channels that overcome barriers facing women and that will attract female farmers to enrolling and using (digital) financial and non-financial services more. The Ayani team assessed services and solutions delivered to smallholder farmers via 5 case studies in three African countries and a learning event to improve solutions for women farmers. The project included in-depth Digital Financial Services (DFS) institutional assessments, strategy reviews, and cost benefit analysis to provide the improved digital services to the target segments. The assignment culminated with a Learning Event that brought together 57 participants including the AGRA Financial Inclusion Team, case study partners and other stakeholders in November of 2018 in Nairobi, Kenya. The Learning Event provided an opportunity to share findings from the 5 case studies and engage the broader stakeholder community in a discussion about enhancing women’s economic inclusion and improving access to digital solutions for female smallholder farmers.
Seconding an electronic payment company in West Africa
Ayani seconded a Finance Manager to a pioneering electronic payments company operating for a period of one year. FERLO’s platform supports transactions between consumers and a range of transacting parties, such as financial institutions, employers, merchants, individuals and the government. By the end of the project, FERLO was on track to serve 100,000 card users through 1,800 access points.