Financial Inclusion

An estimated 2 billion people lack access to formal financial services, like bank accounts, that are critical to transact efficiently, accumulate wealth, and protect against shocks. Additionally, 200 million informal and formal businesses are financially unserved or underserved – without access to the capital they need to grow. Dalberg works with companies, foundations, development institutions, and governments to develop innovative strategies for providing high-quality, appropriate financial services to underserved individuals, communities, and businesses. Our expertise includes catalyzing investment, designing solutions such as savings products, and bringing together public and private sector stakeholders to facilitate collective action.

 



Pragya Mishra

Pragya Mishra is a Creative Lead at Dalberg Design based in Seattle. She applies her expertise in visual and strategy design on social innovation, financial inclusion and global health projects. She brings a human-centered approach to her work that facilitates in-depth understanding of distinct user behaviors, attitudes and preferences towards products, services, and systems leading to actionable insights.

Dalberg to host State of Aadhaar Initiative 

We are excited to announce that Dalberg Advisors is hosting the State of Aadhaar initiative for 2019 and 2020. Sponsored by Omidyar Network, the initiative aims to increase the knowledge base around India’s digital ID, Aadhaar. 



Michael Mori

Michael is the Director of the financial services practice at Dalberg Design, based in New York. He supports businesses, governments, and non-profits to reach underserved markets through human-centered product and service design, as well as evidence-based policy reform, leveraging a range of qualitative and quantitative research and analysis methodologies.



Jeff Berger

Jeff is an Associate Partner and Office Director in New York and co-leader of the Dalberg’s Latin America practice. He works with clients on tapping into the potential of digital solutions, inclusive finance, public-private partnerships, and innovations in the health sector to achieve impact. 

The missing middles: segmenting enterprises to better understand their financial needs

Small and growing businesses (SGBs) contribute to significant positive impact in emerging economies, but they struggle to access the capital they need to reach their full potential. According to the IFC, SGBs in emerging markets face a $930 billion financing gap. Many are stuck squarely in the “missing middle”: they are too big for microfinance, too small or risky for traditional bank lending, and lack the growth, return, and exit potential sought by venture capitalists. 

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.


Trevor Zimmer

Trevor Zimmer is a Director at Dalberg Design, where he leads project engagement with public and private sector clients to apply design as a facilitative process and skillset. He believes that design better enables teams and organizations to collaborate across disciplines; align interests, contribute to organizational learnings, and identify solutions. His focus is on global health, change management, and new ventures.
 



Kusi Hornberger

Kusi Hornberger is an Associate Partner in the Washington, DC office of Dalberg Advisors. Kusi co-leads Dalberg’s impact investing practice area and is particularly passionate about the use of innovative finance and technology to accelerate the achievement of the United Nations Sustainable Development Goals (SDGs).  

Dalberg Data Insights’ Mobile Money Dashboards Promote Financial Inclusion in Uganda

“Development and testing was a crucial learning process for the entire team, seeing how big data can be used for our work. The collaboration with the DDI team, who always provided rapid updates to the dashboard, facilitated this process.” - UNCDF 

Dalberg's Gaurav Gupta on what makes an effective social enterprise

Sustainable development is the term for the dual imperative—economic growth and environmental sustainability. But often there is confusion over the business case for going green. Gaurav Gupta, the Regional Director of Dalberg Advisors, works collaboratively across the public, private and philanthropic sectors to fuel inclusive growth. He is also the Director of Unleash, a global innovation lab that brings together people from all over the world to disrupt conventional solutions and create a better and more sustainable world.