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​Making Small Scale Savings Work​

A partnership​ between WSBI and Mastercard Foundation 
to help boost financial access and economic development in six African countries.




​The Programme.​


The Making Small Scale Savings Work programme, or MTripleSW, aims to establish the viability of small-balance savings accounts. The programme is testing and applying new business models arising from economic analysis around price sensitivity and demand, targeted on low-income unbanked segments, aiming to reduce the incidence of dormancy and inactivity in banks’ customer bases.

It helps existing partner banks in three African countries – ​Kenya, Morocco, Uganda – reach scale and sustainability with their low balance accounts and will support up to four new projects in West Africa to dramatically increase savings amongst these segments in their countries, which are ​Cote d'Ivoire, Nigeria, Senegal.

​The programme builds on previous work​​​ aimed at doubling the number of savings accounts for low-income people at partner banks in 10 countries.​ The work is important because sustained access to and use of savings mechanisms contribute to the well being of customers.​​​​​




​​Changing ​the banking model in Africa​.


The programme aims for high-impact results with up to seven participating banks in the region to develop viable business models. WSBI is working with partners and institutions to harvest deeper insight about customers to build more customer-focused services. 


At the same time, WSBI is looking for ways to boost banks’ trust level with them. The effort also seeks to embed programme objectives into banks’ strategies with knock-on effects for cultural change inside banks, including a transition into continuous learning organisations. Innovative approaches will be tested and proven, and through dissemin​ation of information, poten​tially taken to scale in other countries. ​​​


Key learning questions. 


> Which business models result in sustainable business cases for financially disadvantaged segments?​

> Does greater customer centricity lead to customer growth accompanied by more active customer bases?

>What are the causes of such a high degree of account inactivity in the target countries and worldwide? 

>What are the most effective drivers of ​​usage and which innovative approaches are most successful 

in stimulating account activity among financially disadvantaged people?​

>To what extent do different pricing models stimulate demand for financial services from banks?​  



About Mastercard Foundation.​

Mastercard Foundation​ works with visionary organizations to provide greater access to education, skills training and financial services for people living in poverty, primarily in Africa. As one of the largest, private foundations, its work is guided by its mission to advance learning and promote financial inclusion to create an inclusive and equitable world. Based in Toronto, Canada, its independence was established by Mastercard when the foundation was created in 2006. For more information and to sign up for the foundation's newsletter, please visit Follow the foundation on at @MastercardFdn on Twitter.



About Mastercard Foundation Savings Learning Partnership.​

​​Mastercard Foundation Savings Learning Partnership​ is a six-year initiative implemented by Itad, in partnership with the SEEP Network. The partnership’s aim is to support learning among the foundation’s savings sector portfolio programme​s through increased alignment and effectiveness of monitoring and evaluation, and through the generation, synthesis, curation and dissemination​​ of knowledge.​​​>> Learn more about partnership​



 Latest News



COFINA Senegal signs MoU with WSBI Senegal signs MoU with WSBIAim to widen financial access for low-income women in Senegal.2018-09-04T22:00:00Z
Advans Cote d’Ivoire, WSBI sign MoU to boost savings for smallholder farmers’Ivoire,-WSBI-sign-MoU-to-boost-savings-for-smallholder-farmers-.aspxAdvans Cote d’Ivoire, WSBI sign MoU to boost savings for smallholder farmersProject aims for greater customer uptake, use, and impact through mobile financial services in rural areas.2018-07-05T22:00:00Z
Linkage banking with savings groups empowers women banking with savings groups empowers women​​​How WSBI, partners support targeted programme in Africa.2018-06-06T22:00:00Z
WSBI ‘stands’ tall at European Development Days‘stands’-tall-at-European-Development-Days.aspxWSBI ‘stands’ tall at European Development DaysHosts booth at EDD event on 5-6 June in Brussels.2018-06-04T22:00:00Z

 Programme Contacts



Ian Radcliffe Radcliffe.jpgIan Radcliffeian.radcliffe@wsbi-esbg.orgDirectorWSBI-ESBG
Weselina Angelow Angelowweselina.angelow@wsbi-as.orgSenior Programme Manager WSBI Advisory Services
Céline Stevens Stevens Cropped Web.jpgCéline Stevensceline.stevens@wsbi-as.orgProgramme Manager WSBI Advisory Services
Agnès Fallès Fallagneserfall@gmail.comConsultantLocal Technical Specialist (French-speaking countries)
Kimathi Githachuri Profile Picture.cropped.jpgKimathi Githachurikimathi@seven-delta.comConsultantLocal Technical Specialist (English-speaking countries)
Viviane Garceau Garceauviviane.garceau@wsbi-esbg.orgProject AdministratorWSBI-ESBG
James Pieper Pieperjames.pieper@wsbi-esbg.orgSenior Advisor, CommunicationsWSBI-ESBG


 Past Events



2017 CGAP Customer Centricity Workshop CGAP Customer Centricity WorkshopA half-day workshop that explored great customer experience. Some 20 particpants from WSBI member banks in all regions took part.2017-11-23T23:00:00Z
MTripleSW Workshop Abidjan Workshop AbidjanWSBI hosted an informational workshop in Abidjan for banks in the country to learn more about the Making Small Scale Savings Work program.2017-07-11T22:00:00Z
MTripleSW Workshop Lagos Workshop LagosA group of banking experts from Africa were invited by WSBI on 5 April Lagos, Nigeria to learn more about the new WSBI-Mastercard Foundation (MCF) partnership "Making Small Scale Savings Work".2017-04-04T22:00:00Z
MTripleSW Workshop Dakar Workshop DakarBanking industry experts from Africa met in Sénégal to learn more about MTripleSW.2017-03-21T23:00:00Z