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Digital Credit is not always good for financial inclusion

The latest product from a combination of a bank and a mobile network operator (MNO) is MoKash.  It could be “the next big thing”.  But before anyone gets too excited about the benefits, we should take a hard look at lessons from Kenya.  Kenya is where M-Shwari (a predecessor to MoKash) started and has really […]

Car Wash Sundays: A communal approach to health insurance

The car wash ends with about 15million shillings raised and a relieved family that could afford to take their daughter, Rita, to India for medical treatment. This was the only option for her single mother to raise funds to treat her after using up what little savings she had and selling off her house. Unfortunately, […]

The impact of shutting down mobile money in Uganda

On February 18, 2016, the people of Uganda went to the polls to vote in the Presidential and Primary elections. Citing a threat to “national security,” the Uganda Communications Commission ordered mobile network operators to shut down key social media sites (WhatsApp, Facebook, Twitter) and disable mobile money platforms. While many savvy mobile users defied government […]