Building resilience of vulnerable people



1 million more people banked









How does it work?

Scale2Save is all about building resilience of vulnerable people.

A six-year partnership with the Mastercard Foundation and WSBI, Scale2Save is a programme to establish the viability of lowbalance savings accounts and to understand the extent to which savings allow vulnerable people to boost their financial resilience and wellbeing.


Programme work is anchored by developing viable business models with a broad mix of financial service providers that create high-usage cases that widen financial inclusion. This occurs by improving the quality of savingsalternative distribution channels and the financial service offer in general. Scale2Save balances project work with research conducted and shared among partner banks and the wider sector.

Scale2Save empowers partner FSPs to become savingsdrivencustomer-centric institutions by adding value to all stakeholders along the service value chain. That means weaving programme aims into the fabric of partner bank strategies, encouraging needed culture change within their organisations while fostering a continuous learning environment for people working within them.


Changing the banking model in Africa

WSBI and Mastercard Foundation collaborate to establish the viability of small-balance savings in six African countries.

Joined by financial service providers (FSPs), shared learning helps the programme test customercentric solutions that address barriers faced by low-income, underserved and unbanked people via convenient and affordable access to formal savings in six countries across Africa.

Research with partner institutionsand customers inform project interventions.

Scale2Save is a learning programme

9 learning questions guide us throughout the entire process:

Supply Side

What constitutes a viable business model for small scale savings?

What is the value proposition and the right marketing mix (7Ps) for particular segments of financially disadvantaged people?

How does the institutional model affect the ability to offer low balance savings services to the financially excluded?

How and to what extent does institutional change improve the service offer in small scale savings?

What are the external factors that block or facilitate financial service providers’ outreach strategies?

Demand Side

How and to what extent do savings allow customer to increase financial resilience?

To what extent do different groups of young people comprise an untapped market, and how can financial service providers engage with these groups so that they can be better served?

What services do different groups of customers value, prioritize and need, and why do they need these services?

What are the external factors that block or facilitate customers from using financial services?


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In collaboration 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.

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