financial inclusion

Operationalizing Ethnographic Research to Grow Trust in Digital Financial Services

SOREN HEITMANN SINJA BURI FABIAN REITZUG International Finance Corporation Case Study—Trust motivates people’s uptake and use of digital financial services (DFS). Understanding the socio-cultural determinants of DFS trust are needed to scale financial access and drive financial inclusion. These are core components of international development strategies, such as the Sustainable Development Goals (SDGs) or Universal Financial Access (UFA2020). The IFC-Mastercard Foundation Partnership for Financial Inclusion (the Partnership) conducted ethnographic research to understand factors that impact people’s attitudes and perceptions of DFS. Nine months of field work each in Cameroon, DRC, Senegal and Zambia were conducted, in collaboration with local research institutes’ Anthropology departments and the African Studies Center at the University of Leiden. The results of the ethnographic research produced a framework for understanding drivers and barriers to people growing trust in digital financial services. This paper analyzes the...

Doing Good is Hard: Ethics, Activism, and Social Impact Design as Seen from the Grassroots Perspective

JEFFREY GREGER San Jose State University This paper shares the experiences of two teams of design professionals working on parallel grassroots social impact design projects to address poverty and financial precarity in Silicon Valley and London. This paper explores challenges facing these teams as they channel a sense of moral outrage into the research and development of alternitives to high-risk financial services like payday loans. It charts the open, inclusive design process of these teams as they engage community partners and recognize the financial expertise of people getting by on tight incomes. The paper concludes with a discussion of how working slowly and openly through transdisciplinary communities of practice—like the two groups described here, or EPIC itself—can help keep alive conversations around power and activism in the practice of design and ethnographic research. These conversations are essential if social impact design is to reach its transformative potential while avoiding many of the pitfalls that have...