Articles by Scott Graham
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Guest Articles
Monday
March 7
2022Scott Graham / Anahit Tevosyan
Deconstructing the Monolith: Why Understanding Women’s Individual Needs is Key to Closing the Gender Gap in Financial Inclusion
How can financial service providers tailor their products to boost women's financial inclusion? Scott Graham and Anahit Tevosyan at FINCA discuss the findings of a survey of 2,800 financial consumers in the DRC, which showed – perhaps counterintuitively – that focusing on gender as the defining characteristic of a female client is exactly the wrong approach. They explore why it's necessary to “deconstruct the monolith” of female clients by digging into sub-segments of the market to understand their specific needs and constraints.
- Categories
- Entrepreneurship, Finance
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Guest Articles
Wednesday
February 27
2019Scott Graham / Anahit Tevosyan
Why Health Benefits Could Drive Customer Value for Solar Lighting and Clean Cookstoves
Solar lighting and improved cookstoves have multiple benefits. But according to a new FINCA International survey of end-users in Uganda, the benefits customers value most involve the products' perceived contributions to a cleaner, healthier household. Scott Graham and Anahit Tevosyan at FINCA explore how highlighting these benefits can help product manufacturers and distributors – and the donors and investors who support them – to strengthen the uptake and usage of off-grid products.
- Categories
- Energy, Environment
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Tuesday
October 16
2018Diving into the Gap: What Separates Savers from Non-Savers?
In three years, the gap between the poorest 40 percent and the richest 60 percent nearly doubled across many developing countries. Meanwhile, the gap between primary and secondary school graduates has also doubled – and these inequalities in income and education are more significant than ever in dividing savers and non-savers. Scott Graham at FINCA International analyzes the latest FINDEX numbers to explore how we can reconcile a decline in savings, while poverty is largely falling throughout the world.
- Categories
- Finance
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Monday
September 10
2018Fewer Poor People are Saving: What Does That Mean for Microfinance and Mobile Money?
As the world grows richer and the financial inclusion movement steams ahead, savings rates are abysmally low across the globe. In fact, over half of all adults on the planet saved nothing in the last year – neither bank deposits nor cash stuffed in drawers. In the third of a four-part series analyzing the much-discussed 2017 Global Findex, Scott Graham of FINCA International explores the savings habits of individuals worldwide – particularly in the developing world – and the implications for financial services providers.
- Categories
- Finance
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Friday
August 3
2018A Shifting Frontier: How Mobile Money is Reshaping the Gender Gap in Financial Inclusion
Mobile banking can undoubtedly be a useful tool when it comes to closing the financial services gender gap – with the key word being "can." But as the results of the Global Findex report show, fintech is no panacea for addressing longstanding disparities in financial access, and the gap between men and women remains great. Scott Graham of FINCA International explores the potential – and limitations – of digital finance to boost women’s inclusion and empowerment.
- Categories
- Finance
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Wednesday
July 11
2018Don’t Throw the Banks Out with the Bathwater: Why the 2017 Findex Shows Opportunity for Microfinance Institutions
The World Bank's most recent Global Findex report has cast significant doubt on the lofty goal of universal financial access by 2020. Signs point to the slowing of financial inclusion in many places, raising questions as to how regulated microfinance institutions should respond to the emergence of mobile money and other fintech disruptors. After examining the numbers, here’s why Scott Graham of FINCA International argues that traditional banks still serve a vital purpose.
- Categories
- Finance
