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Financial Inclusion Insights- Wave 1


The Financial Inclusion Insights (FII) program responds to the need identified by multiple stakeholders for timely, demand-side data and practical insights into digital financial services (DFS), including mobile money, and the potential for their expanded use among the poor. The FII team conducts regular survey and qualitative research in Kenya, Tanzania, Uganda, Nigeria, India, Pakistan, Bangladesh and Indonesia to:

• Track access to and demand for financial services generally, and the uptake and use of DFS specifically; • Measure adoption and use of DFS among key target groups (females, BOP, rural, unbanked, etc.);

• Identify drivers and barriers to further adoption of DFS; • Evaluate the agent experience and the performance of mobile money agents; and

• Produce actionable, forward-looking insights to support product and service development and delivery, based on rigorous FII data.

Gallup Pakistan has conducted the field work for this research in Pakistan.

Wave 1 Report can be accessed below

The analysis presented in this report is based on: – The Tracker Survey: A nationally representative survey of 6,000 Pakistani adults, ages 15 and older, conducted from Nov. 7, 2013, to Jan. 3, 2014, on access and use of financial services, as well as barriers and potential for future use. Reported data: All percentages in this report are weighted to reflect national-level proportions. All bases (n=numbers) in this report are unweighted and represent the actual number of people interviewed in the survey. – The Consumer Focus Groups Study: A qualitative study with mobile money users and non-users conducted Feb. 17 to March 20, 2014. The study was designed to provide insights into why and how customers access mobile money; why non-users are not using mobile money services; barriers to and triggers for uptake and use of mobile money; participants’ financial behaviours and current pain points; and the potential for new digital services. – Customer and Agent Interview Study: A qualitative study was conducted Feb. 28 to March 21, 2014, consisting of interviews with mobile money agents and exit interviews with mobile money users to provide insights into over the-counter (OTC) transactions and understand barriers to and triggers for uptake and use of mobile money.