Linking users of informal financial services with formal financial services

This publication displays the findings of an evidence review conducted by our Savings at the Frontier programme.



  • Janet Hayes

SatF has been examining the evidence on the demand for, and supply of, formal financial services for users of informal savings mechanisms (ISMs), including savings groups (SGs), in order to discover which services and channels are most valued by the financially disadvantaged, and what drives the business case for providers to serve them.

This policy brief provides a summary of the findings of the evidence review. The evidence visualisation shows the sources of evidence we reviewed, by type of author and evidence, and provides an indication of the gaps in evidence that might be filled by future research.

Image credit: SatF Team, Ghana 2016

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