01
Access
From access to opportunity.
Designing digital channels that work for unbanked, underbanked, rural and informal-market users.
Digital Financial Services · Trust · Inclusion
Building trusted
digital finance
for Africa.
We help financial institutions, fintechs, governments and development organizations turn digital infrastructure into active, trusted, everyday financial services — moving people from being registered to being financially active.
Dormancy today
62%
of new accounts go inactive
- Digital Finance
Designing channels people actually use.
- Institutional Trust
Building confidence into every interaction.
- Financial Inclusion
Connecting underserved communities to opportunity.
The Challenge
Opening an account is only the beginning.
Across emerging African markets, institutions are opening millions of digital accounts — yet many never become active. Dormancy isn't simply an acquisition problem. It's a trust, experience, infrastructure and accessibility problem.
We move financial inclusion beyond access — toward meaningful, sustained usage.
Why Afri
Designing finance around the
people it is meant to serve.
Afri Inclusion Advisory was established to address a persistent challenge: high account-opening numbers, but high rates of dormancy. We connect technology, trust, policy and human behaviorto build financial systems that work beyond the first transaction.
02
Trust
Trust is infrastructure.
Embedding transparency, consumer protection, privacy and dispute resolution into every experience.
03
Usage
Turning registration into activity.
Reducing the friction that causes customers to abandon services after onboarding.
Our Expertise
Three pillars. One goal: more
trusted, more inclusive finance.
01
Digital Financial Services
Optimizing the channels that connect people to finance.
- Mobile wallet architecture
- USSD journeys
- Digital onboarding
- Transaction flows
- Agent banking
- Liquidity management
02
Institutional Trust &
Consumer Protection
Designing confidence into every financial interaction.
- Consumer protection workflows
- Transparent fee structures
- e-KYC experiences
- Dispute resolution
- Data privacy
- Friction mapping
03
Financial Inclusion & Public
Sector Strategy
Building financial infrastructure that reaches further.
- G2P digital distribution
- Social cash transfers
- Micro-savings & insurance
- Alternative credit scoring
- Inclusion policy
- Distribution strategy
The Usage Gap
From account opened to account
active.
We examine the entire journey — not just the onboarding screen — and translate friction into practical changes across product, operations, technology and policy.
- 01
Discover
Can the customer understand the value?
- 02
Onboard
Can they successfully register?
- 03
Trust
Do they feel safe using the service?
- 04
Transact
Can they complete a first transaction?
- 05
Return
Is there enough value to come back?
- 06
Grow
Can it become meaningful participation?
Who We Work With
Built for institutions shaping Africa's
financial future.
Commercial Banks & MFIs
Reduce dormancy. Increase digital adoption. Mobilize deposits.
Improve Digital Adoption
Why Afri Inclusion
Expertise backed by research.
Designed for real-world markets.
Digital Finance Mastery
Certified digital finance expertise
Our work is grounded in professional training, including Certified Expert in Digital Finance (CEDF) credentials from the Frankfurt School of Finance & Management.
- Digital payment rails
- Agent networks
- Interoperability
- Digital channels
- Financial ecosystems
Empirical Market Insight
Understanding why people drop off
Instead of asking:
“Why aren't customers using the product?”
We ask: what is stopping them from trusting,understanding, accessing or repeatedly using it?
How We Work
Diagnose the friction. Design the
solution. Drive adoption.
- 01
Discover
Understand the ecosystem.
Customers, channels, products, operations, market conditions and institutional environment.
- 02
Diagnose
Find what's getting in the way.
Behavioral, technical, operational and trust-related friction across the journey.
- 03
Design
Turn insight into intervention.
Practical recommendations across product, channels, operations and consumer protection.
- 04
Activate
Move from strategy to usage.
Translate recommendations into systems designed to improve adoption and inclusion.
What Changes
Better systems. Stronger trust. More
active customers.
Less Dormancy
Transform inactive accounts into meaningful usage.
Less Friction
Remove unnecessary barriers across digital channels.
Digital Adoption
Make digital finance easier to understand and use.
Customer Trust
Build confidence through transparency and protection.
Rural Reach
Extend services beyond traditional ecosystems.
Financial Participation
Create pathways to savings, payments, credit and insurance.
Insights
Perspectives on the future of
financial inclusion.
Featured
Why digital account opening doesn't guarantee financial inclusion
Registration without sustained usage can hide a deeper problem. Explore the relationship between trust, friction, behavior and account dormancy.
Read the InsightThe Afri Inclusion Belief
Financial inclusion isn't just about giving people access. It's about giving them a reason to trust, use and return.
Afri Inclusion Advisory works at the intersection of digital finance, institutional trust, consumer protection and human behavior to make that possible.
Let's Work Together