Savings at the Frontier

Savings at the Frontier was a partnership between Mastercard Foundation and OPM that aimed to improve the financial inclusion of low-income individuals and communities in sub-Saharan Africa.

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Savings at the Frontier (SatF) was a six and a half year programme (2015-2022) that sought to bridge the gap between the supply of formal financial services and informal savings mechanisms (ISMs), so that ISM users have a greater choice and use of financial services that best meet their needs.

During that time, SatF supported ten financial service providers (FSPs) in Ghana, Tanzania, and Zambia to help them test and deepen commercial relationships with ISMs. Our main target of serving 250,000 individual informal savers was exceeded. Partner FSPs opened nearly 1 million accounts. Across the portfolio, 329,120 individual savers used or opened a SatFsupported account in the quarter from April to end of June 2022.

This page provides links to the evidence and learning captured over the programme's lifetime. Although SatF has come to an end, we hope that these resources will continue to contribute to the development of effective, scalable business models for financial services delivery in frontier markets.

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