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A partnership​ between WSBI and Mastercard Foundation 
to establish the viability of small-scale savings in six African countries.


By the numbers.

Objective: 1 million more people banked 

Investment: $16 million 

Geographic scope: 6 countries in Africa (+one learning partner country)

Projects: 7 with innovative models

Timeframe: 6 years | September 2016 to February ​2022

Scale2Save is about balance.

Scale2Save is a programme that tests and applies with partner banks in Africa new business models that focus on people's sensitivity to price and demand of bank services and products. Aimed at supporting banks to reach scale and sustainability with low-balance accounts, the programme seeks to target low-income, unbanked people and to boost account dormancy and inactivity rates by them.

​Programme work is anchored by developing viable business models with regional banks that create high-impact results that widen financial inclusion in a business-sustainable way. To do this, Scale2Save relies on customer insight to help develop those models by working together with local financial institutions and partner organisations.

At the same time, Scale2Save is committed to boost banks' reliability too. That means weaving the programme's aims into the fabric of partner bank strategies, encourage needed culture change within their organisations while fostering a continuous learning environment for people working within them.


Why it's important

- People boost their well-being when they have access and make use of savings mechanisms like a basic account.

- There is need to widen financial inclusion to unbanked people and demonstrate to them that banks can be trusted partners in their financial lives.​




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?​  



In partnership with Mastercard Foundation

The Mastercard Foundation seeks a world where everyone has the opportunity to learn and prosper. The Foundation's work is guided by its mission to advance learning and promote financial inclusion for people living in poverty. One of the largest foundations in the world, it works almost exclusively in Africa. It was created in 2006 by Mastercard International and operates independently under the governance of its own Board of Directors. The Foundation is based in Toronto, Canada. For more information and to sign up for the Foundation's newsletter, please visit Follow the Foundation at @MastercardFdn on Twitter.





 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