Financial Inclusion
Now, it's for me: groundwork for women's digital financial agency
IDEO • BILL & MELINDA GATES FOUNDATION
Financial Inclusion
Now, it's for me: groundwork for women's digital financial agency
IDEO • BILL & MELINDA GATES FOUNDATION
Financial Inclusion
Now, it's for me: groundwork for women's digital financial agency
IDEO • BILL & MELINDA GATES FOUNDATION
Financial Inclusion
Now, it's for me: groundwork for women's digital financial agency
IDEO • BILL & MELINDA GATES FOUNDATION
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Stagesetting
Stagesetting
Stagesetting
Stagesetting
OVERVIEW
OVERVIEW
OVERVIEW
In the face of Pakistan's financial inclusion challenges, 100 million women await services that cater to them. With only 7% of the banked population being women at the time of project, digital financial services held the power to reshape these statistics. However, this potential went largely untapped due to prevailing gender divides. Guided by IDEO and the Bill & Melinda Gates Foundation, a pioneering effort was undertaken in Pakistan as part of a cross-country project to lay the groundwork of gender-inclusive financial services.
In the face of Pakistan's financial inclusion challenges, 100 million women await services that cater to them. With only 7% of the banked population being women at the time of project, digital financial services held the power to reshape these statistics. However, this potential went largely untapped due to prevailing gender divides. Guided by IDEO and the Bill & Melinda Gates Foundation, a pioneering effort was undertaken in Pakistan as part of a cross-country project to lay the groundwork of gender-inclusive financial services.
In the face of Pakistan's financial inclusion challenges, 100 million women await services that cater to them. With only 7% of the banked population being women at the time of project, digital financial services held the power to reshape these statistics. However, this potential went largely untapped due to prevailing gender divides. Guided by IDEO and the Bill & Melinda Gates Foundation, a pioneering effort was undertaken in Pakistan as part of a cross-country project to lay the groundwork of gender-inclusive financial services.
sTUBBORN CHALLENGE
sTUBBORN CHALLENGE
Stubborn challenge
At the heart of the project lay a formidable challenge: women's prevailing belief that digital financial services (DFS) aren't meant for them. Societal norms paint money as a male domain, leaving women feeling financially irrelevant. Rigid roles relegate women to caregivers, while financial services often exclude them. Even when they engineer their own personal workarounds, their efforts are dismissed. The challenge rests in transforming the perception that financial power is exclusively male-oriented, and enable women to step out of financial margins.
At the heart of the project lay a formidable challenge: women's prevailing belief that digital financial services (DFS) aren't meant for them. Societal norms paint money as a male domain, leaving women feeling financially irrelevant. Rigid roles relegate women to caregivers, while financial services often exclude them. Even when they engineer their own personal workarounds, their efforts are dismissed. The challenge rests in transforming the perception that financial power is exclusively male-oriented, and enable women to step out of financial margins.
At the heart of the project lay a formidable challenge: women's prevailing belief that digital financial services (DFS) aren't meant for them. Societal norms paint money as a male domain, leaving women feeling financially irrelevant. Rigid roles relegate women to caregivers, while financial services often exclude them. Even when they engineer their own personal workarounds, their efforts are dismissed. The challenge rests in transforming the perception that financial power is exclusively male-oriented, and enable women to step out of financial margins.
OVERVIEW
In the face of Pakistan's financial inclusion challenges, 100 million women await services that cater to them. With only 7% of the banked population being women at the time of project, digital financial services held the power to reshape these statistics. However, this potential went largely untapped due to prevailing gender divides. Guided by IDEO and the Bill & Melinda Gates Foundation, a pioneering effort was undertaken in Pakistan as part of a cross-country project to lay the groundwork of gender-inclusive financial services.
sTUBBORN CHALLENGE
At the heart of the project lay a formidable challenge: women's prevailing belief that digital financial services (DFS) aren't meant for them. Societal norms paint money as a male domain, leaving women feeling financially irrelevant. Rigid roles relegate women to caregivers, while financial services often exclude them. Even when they engineer their own personal workarounds, their efforts are dismissed. The challenge rests in transforming the perception that financial power is exclusively male-oriented, and enable women to step out of financial margins.
MY ROLE
MY ROLE
MY ROLE
As Service Design Lead I lead the charge on a crucial objective: comprehending the nuances in the financial behaviors of women. I steered the research trajectory, ensuring alignment of global project objectives and tools with the local context. I had to design creative and gamified research methods that unearthed profound insights. These insights laid the groundwork for formulating impactful interventions, bridging the gap between research findings and actionable solutions.
As Service Design Lead I lead the charge on a crucial objective: comprehending the nuances in the financial behaviors of women. I steered the research trajectory, ensuring alignment of global project objectives and tools with the local context. I had to design creative and gamified research methods that unearthed profound insights. These insights laid the groundwork for formulating impactful interventions, bridging the gap between research findings and actionable solutions.
As Service Design Lead I lead the charge on a crucial objective: comprehending the nuances in the financial behaviors of women. I steered the research trajectory, ensuring alignment of global project objectives and tools with the local context. I had to design creative and gamified research methods that unearthed profound insights. These insights laid the groundwork for formulating impactful interventions, bridging the gap between research findings and actionable solutions.
My husband gives me money for some kitchen and personal expenses. If I need more for myself, I ask him for it.
— Maham, 32
My husband gives me money for some kitchen and personal expenses. If I need more for myself, I ask him for it.
— Maham, 32
My husband gives me money for some kitchen and personal expenses. If I need more for myself, I ask him for it.
— Maham, 32
OUTCOME
OUTCOME
OUTCOME
Our findings present the key challenges women face, the power and workarounds they demonstrate in the face of these barriers, and the design opportunities that emerge. The culmination of our efforts found its home on the project website – a repository meticulously crafted to benefit a diverse set of stakeholders. The resources on this platform serve as a guiding light for the financial sector, policymakers, designers, NGOs, and virtually anyone involved in designing for the underserved.
The impact of our work reverberated far beyond Pakistan's borders. As an integral component of a multinational initiative spanning six countries, our findings contributed to discerning the distinctive threads that wove the narratives of women's financial behaviors across regions. By uncovering shared themes and contrasting patterns, we documented universal truths while embracing contextual nuances. This endeavor didn't merely inform – it transformed, positioning our research as an invaluable asset in shaping more inclusive, effective, and impactful approaches for women's financial empowerment on a global scale.
Our findings present the key challenges women face, the power and workarounds they demonstrate in the face of these barriers, and the design opportunities that emerge. The culmination of our efforts found its home on the project website – a repository meticulously crafted to benefit a diverse set of stakeholders. The resources on this platform serve as a guiding light for the financial sector, policymakers, designers, NGOs, and virtually anyone involved in designing for the underserved.
The impact of our work reverberated far beyond Pakistan's borders. As an integral component of a multinational initiative spanning six countries, our findings contributed to discerning the distinctive threads that wove the narratives of women's financial behaviors across regions. By uncovering shared themes and contrasting patterns, we documented universal truths while embracing contextual nuances. This endeavor didn't merely inform – it transformed, positioning our research as an invaluable asset in shaping more inclusive, effective, and impactful approaches for women's financial empowerment on a global scale.
Our findings present the key challenges women face, the power and workarounds they demonstrate in the face of these barriers, and the design opportunities that emerge. The culmination of our efforts found its home on the project website – a repository meticulously crafted to benefit a diverse set of stakeholders. The resources on this platform serve as a guiding light for the financial sector, policymakers, designers, NGOs, and virtually anyone involved in designing for the underserved.
The impact of our work reverberated far beyond Pakistan's borders. As an integral component of a multinational initiative spanning six countries, our findings contributed to discerning the distinctive threads that wove the narratives of women's financial behaviors across regions. By uncovering shared themes and contrasting patterns, we documented universal truths while embracing contextual nuances. This endeavor didn't merely inform – it transformed, positioning our research as an invaluable asset in shaping more inclusive, effective, and impactful approaches for women's financial empowerment on a global scale.
MY ROLE
As Service Design Lead I lead the charge on a crucial objective: comprehending the nuances in the financial behaviors of women. I steered the research trajectory, ensuring alignment of global project objectives and tools with the local context. I had to design creative and gamified research methods that unearthed profound insights. These insights laid the groundwork for formulating impactful interventions, bridging the gap between research findings and actionable solutions.
My husband gives me money for some kitchen and personal expenses. If I need more for myself, I ask him for it.
— Maham, 32
OUTCOME
Our findings present the key challenges women face, the power and workarounds they demonstrate in the face of these barriers, and the design opportunities that emerge. The culmination of our efforts found its home on the project website – a repository meticulously crafted to benefit a diverse set of stakeholders. The resources on this platform serve as a guiding light for the financial sector, policymakers, designers, NGOs, and virtually anyone involved in designing for the underserved.
The impact of our work reverberated far beyond Pakistan's borders. As an integral component of a multinational initiative spanning six countries, our findings contributed to discerning the distinctive threads that wove the narratives of women's financial behaviors across regions. By uncovering shared themes and contrasting patterns, we documented universal truths while embracing contextual nuances. This endeavor didn't merely inform – it transformed, positioning our research as an invaluable asset in shaping more inclusive, effective, and impactful approaches for women's financial empowerment on a global scale.
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Playbook
Playbook
Playbook
Playbook
HYPOTHESIS & SCOPE OF INQUIRY
HYPOTHESIS & SCOPE OF INQUIRY
HYPOTHESIS & SCOPE OF INQUIRY
Our hypothesis was that barriers of access for women are far beyond the moment of cash-in cash-out (CICO) at digital financial touchpoints. To support women in CICO moments, we must support women’s relationship with money. This then led to the following scope of inquiry.
What are the specific gender-based barriers preventing women from effectively engaging with digital financial services, especially at key touchpoints like Cash-In, Cash-Out (CICO)?
How can we identify and leverage the resilient strategies and innovative workarounds that women employ to navigate these barriers within their constrained mobility?
In what ways can digital financial services be designed to not only accommodate women's unique contexts but also empower them as active agents of financial decision-making?
What characterizes the diverse archetypes of women's experiences with DFS and CICO, and how can we tailor interventions to address their individualized needs?
Our hypothesis was that barriers of access for women are far beyond the moment of cash-in cash-out (CICO) at digital financial touchpoints. To support women in CICO moments, we must support women’s relationship with money. This then led to the following scope of inquiry.
What are the specific gender-based barriers preventing women from effectively engaging with digital financial services, especially at key touchpoints like Cash-In, Cash-Out (CICO)?
How can we identify and leverage the resilient strategies and innovative workarounds that women employ to navigate these barriers within their constrained mobility?
In what ways can digital financial services be designed to not only accommodate women's unique contexts but also empower them as active agents of financial decision-making?
What characterizes the diverse archetypes of women's experiences with DFS and CICO, and how can we tailor interventions to address their individualized needs?
Our hypothesis was that barriers of access for women go far beyond the moment of cash-in cash-out (CICO) at digital financial touchpoints. To support women in CICO moments, we must support women’s relationship with money. This then led to the following scope of inquiry.
What are the specific gender-based barriers preventing women from effectively engaging with digital financial services, especially at key touchpoints like Cash-In, Cash-Out (CICO)?
How can we identify and leverage the resilient strategies and innovative workarounds that women employ to navigate these barriers within their constrained mobility?
In what ways can digital financial services be designed to not only accommodate women's unique contexts but also empower them as active agents of financial decision-making?
What characterizes the diverse archetypes of women's experiences with DFS and CICO, and how can we tailor interventions to address their individualized needs?
I have been managing committees for over thirty years. I earn a little through it and use the money for my personal needs.
— Sarah, 56
I have been managing committees for over thirty years. I earn a little through it and use the money for my personal needs.
— Sarah, 56
I have been managing committees for over thirty years. I earn a little through it and use the money for my personal needs.
— Sarah, 56
DISTINGUISHING APPROACH
DISTINGUISHING APPROACH
DISTINGUISHING APPROACH
The design research journey was structured into two phases, with a pivotal Midpoint Synthesis that bridged them. In the initial phase, we adopted an exploratory approach, delving beyond immediate research goals to comprehend the interviewees' lives and perspectives. This inclusive approach helped establish rapport and ease initial hesitations.
As part of this, we had Appreciative Inquiry and Generative Questioning at the core of our approach to shift the focus from problems to opportunities and strengths. Appreciate Inquiry involved focusing on what is working well in a system for the person, rather than on its problems. The approach encouraged participants to identify and build on their strengths, leading to more positive and productive outcomes. Generative Questioning involved asking open-ended questions that encourage participants to think about their challenges in new ways, exploring perspectives and possibilities they may not have considered before.
The juncture of Midpoint Synthesis involved recognition of emerging patterns, discussion, and the identification of potential opportunities and concepts for feedback. The second phase of research narrowed the focus, delving deeper into insights we saw in the first phase, addressing any uncertainties and further probing areas with nascent findings. This phase also enabled validation of initial concepts through tailored questions.
This was followed by the ideation phase to draft concepts and recommendations that directly address the HMW questions that came out of the research.
The design research journey was structured into two phases, with a pivotal Midpoint Synthesis that bridged them. In the initial phase, we adopted an exploratory approach, delving beyond immediate research goals to comprehend the interviewees' lives and perspectives. This inclusive approach helped establish rapport and ease initial hesitations.
As part of this, we had Appreciative Inquiry and Generative Questioning at the core of our approach to shift the focus from problems to opportunities and strengths. Appreciate Inquiry involved focusing on what is working well in a system for the person, rather than on its problems. The approach encouraged participants to identify and build on their strengths, leading to more positive and productive outcomes. Generative Questioning involved asking open-ended questions that encourage participants to think about their challenges in new ways, exploring perspectives and possibilities they may not have considered before.
The juncture of Midpoint Synthesis involved recognition of emerging patterns, discussion, and the identification of potential opportunities and concepts for feedback. The second phase of research narrowed the focus, delving deeper into insights we saw in the first phase, addressing any uncertainties and further probing areas with nascent findings. This phase also enabled validation of initial concepts through tailored questions.
This was followed by the ideation phase to draft concepts and recommendations that directly address the HMW questions that came out of the research.
The design research journey was structured into two phases, with a pivotal Midpoint Synthesis that bridged them. In the initial phase, we adopted an exploratory approach, delving beyond immediate research goals to comprehend the interviewees' lives and perspectives. This inclusive approach helped establish rapport and ease initial hesitations.
As part of this, we had Appreciative Inquiry and Generative Questioning at the core of our approach to shift the focus from problems to opportunities and strengths. Appreciate Inquiry involved focusing on what is working well in a system for the person, rather than on its problems. The approach encouraged participants to identify and build on their strengths, leading to more positive and productive outcomes. Generative Questioning involved asking open-ended questions that encourage participants to think about their challenges in new ways, exploring perspectives and possibilities they may not have considered before.
The juncture of Midpoint Synthesis involved recognition of emerging patterns, discussion, and the identification of potential opportunities and concepts for feedback. The second phase of research narrowed the focus, delving deeper into insights we saw in the first phase, addressing any uncertainties and further probing areas with nascent findings. This phase also enabled validation of initial concepts through tailored questions.
This was followed by the ideation phase to draft concepts and recommendations that directly address the HMW questions that came out of the research.
HYPOTHESIS & SCOPE OF INQUIRY
Our hypothesis was that barriers of access for women are far beyond the moment of cash-in cash-out (CICO) at digital financial touchpoints. To support women in CICO moments, we must support women’s relationship with money. This then led to the following scope of inquiry.
What are the specific gender-based barriers preventing women from effectively engaging with digital financial services, especially at key touchpoints like Cash-In, Cash-Out (CICO)?
How can we identify and leverage the resilient strategies and innovative workarounds that women employ to navigate these barriers within their constrained mobility?
In what ways can digital financial services be designed to not only accommodate women's unique contexts but also empower them as active agents of financial decision-making?
What characterizes the diverse archetypes of women's experiences with DFS and CICO, and how can we tailor interventions to address their individualized needs?
I have been managing committees for over thirty years. I earn a little through it and use the money for my personal needs.
— Sarah, 56
DISTINGUISHING APPROACH
The design research journey was structured into two phases, with a pivotal Midpoint Synthesis that bridged them. In the initial phase, we adopted an exploratory approach, delving beyond immediate research goals to comprehend the interviewees' lives and perspectives. This inclusive approach helped establish rapport and ease initial hesitations.
As part of this, we had Appreciative Inquiry and Generative Questioning at the core of our approach to shift the focus from problems to opportunities and strengths. Appreciate Inquiry involved focusing on what is working well in a system for the person, rather than on its problems. The approach encouraged participants to identify and build on their strengths, leading to more positive and productive outcomes. Generative Questioning involved asking open-ended questions that encourage participants to think about their challenges in new ways, exploring perspectives and possibilities they may not have considered before.
The juncture of Midpoint Synthesis involved recognition of emerging patterns, discussion, and the identification of potential opportunities and concepts for feedback. The second phase of research narrowed the focus, delving deeper into insights we saw in the first phase, addressing any uncertainties and further probing areas with nascent findings. This phase also enabled validation of initial concepts through tailored questions.
This was followed by the ideation phase to draft concepts and recommendations that directly address the HMW questions that came out of the research.
RESEARCH ENGAGEMENTS
RESEARCH ENGAGEMENTS
RESEARCH ENGAGEMENTS
We interviewed ~60 people from 3 peri-urban and 3 rural areas in the country. 35 of these were women, with representation from single, married, widowed, working, stay-at-home and college-going women.
From the remaning, 12 were husbands of some of the women we met to understand their influence on their wives' financial lives. We also met with 8 mobile money agents and 5 shop owners of corner stores that women frequented.
This research spanned 4 weeks and included individual interviews. focus group discussions, observations, and intercept interviews.
We interviewed ~60 people from 3 peri-urban and 3 rural areas in the country. 35 of these were women, with representation from single, married, widowed, working, stay-at-home and college-going women.
From the remaning, 12 were husbands of some of the women we met to understand their influence on their wives' financial lives. We also met with 8 mobile money agents and 5 shop owners of corner stores that women frequented.
This research spanned 4 weeks and included individual interviews. focus group discussions, observations, and intercept interviews.
We interviewed ~60 people from 3 peri-urban and 3 rural areas in the country. 35 of these were women, with representation from single, married, widowed, working, stay-at-home and college-going women.
From the remaning, 12 were husbands of some of the women we met to understand their influence on their wives' financial lives. We also met with 8 mobile money agents and 5 shop owners of corner stores that women frequented.
This research spanned 4 weeks and included individual interviews. focus group discussions, observations, and intercept interviews.
We bought a motorbike on installments. I had an agreement directly with the seller. We pay him a small sum every month according to what we can afford. It's almost paid off now.
— Fazeelat, 43
We bought a motorbike on installments. I had an agreement directly with the seller. We pay him a small sum every month according to what we can afford. It's almost paid off now.
— Fazeelat, 43
We bought a motorbike on installments. I had an agreement directly with the seller. We pay him a small sum every month according to what we can afford. It's almost paid off now.
— Fazeelat, 43
RESEARCH ENGAGEMENTS
We interviewed ~60 people from 3 peri-urban and 3 rural areas in the country. 35 of these were women, with representation from single, married, widowed, working, stay-at-home and college-going women.
From the remaning, 12 were husbands of some of the women we met to understand their influence on their wives' financial lives. We also met with 8 mobile money agents and 5 shop owners of corner stores that women frequented.
This research spanned 4 weeks and included individual interviews. focus group discussions, observations, and intercept interviews.
We bought a motorbike on installments. I had an agreement directly with the seller. We pay him a small sum every month according to what we can afford. It's almost paid off now.
— Fazeelat, 43
FIELD TOOLS
FIELD TOOLS
FIELD TOOLS
FIELD TOOLS
Gender Role Cards • To understand responsibilities and financial decision making dynamics, we created a card sort game for gender roles. A list of chores were mentioned on these cards and participants asked to place them next to the cards representing members of the family depending on who's in charge. We then asked them to switch them around according to how they would ideally like to distribute them. This gave incredible insight into their motivations and desires, and the barriers preventing them.
Gender Role Cards • To understand responsibilities and financial decision making dynamics, we created a card sort game for gender roles. A list of chores were mentioned on these cards and participants asked to place them next to the cards representing members of the family depending on who's in charge. We then asked them to switch them around according to how they would ideally like to distribute them. This gave incredible insight into their motivations and desires, and the barriers preventing them.
Gender Role Cards • To understand responsibilities and financial decision making dynamics, we created a card sort game for gender roles. A list of chores were mentioned on these cards and participants asked to place them next to the cards representing members of the family depending on who's in charge. We then asked them to switch them around according to how they would ideally like to distribute them. This gave incredible insight into their motivations and desires, and the barriers preventing them.
Gender Role Cards • To understand responsibilities and financial decision making dynamics, we created a card sort game for gender roles. A list of chores were mentioned on these cards and participants asked to place them next to the cards representing members of the family depending on who's in charge. We then asked them to switch them around according to how they would ideally like to distribute them. This gave incredible insight into their motivations and desires, and the barriers preventing them.
Mobility Mapping • Mapping women's mobility and touchpoints in their daily lives was critical in identifying opportunities in their lifestyles. For this we created a simple line map with a range of icons representing usual locations in a community e.g. grocery store, school, park etc. We then drove conversations around these places by invoking memories associated with them. This turned the respondents into storytellers of their experiences at those places. Find out more on my Medium.
Mobility Mapping • Mapping women's mobility and touchpoints in their daily lives was critical in identifying opportunities in their lifestyles. For this we created a simple line map with a range of icons representing usual locations in a community e.g. grocery store, school, park etc. We then drove conversations around these places by invoking memories associated with them. This turned the respondents into storytellers of their experiences at those places. Find out more on my Medium.
Mobility Mapping • Mapping women's mobility and touchpoints in their daily lives was critical in identifying opportunities in their lifestyles. For this we created a simple line map with a range of icons representing usual locations in a community e.g. grocery store, school, park etc. We then drove conversations around these places by invoking memories associated with them. This turned the respondents into storytellers of their experiences at those places. Find out more on my Medium.
Mobility Mapping • Mapping women's mobility and touchpoints in their daily lives was critical in identifying opportunities in their lifestyles. For this we created a simple line map with a range of icons representing usual locations in a community e.g. grocery store, school, park etc. We then drove conversations around these places by invoking memories associated with them. This turned the respondents into storytellers of their experiences at those places. Find out more on my Medium.
Storefront Mockups • In the first phase of research we learned that women feel uncomfortable at CICO agent locations. These spaces were male dominated, cramped, and hidden behind places. To understand what characteristics would them feel more comfortable and safe, we created mockups of a variety of storefronts that we had observed with relatively higher women footfall. These were shown to women in the second phase of research and probed on which places would they like designated as CICO points, which they wouldn't, and why. It brought forth a set of guidelines to make spaces more women-friendly.
Storefront Mockups • In the first phase of research we learned that women feel uncomfortable at CICO agent locations. These spaces were male dominated, cramped, and hidden behind places. To understand what characteristics would them feel more comfortable and safe, we created mockups of a variety of storefronts that we had observed with relatively higher women footfall. These were shown to women in the second phase of research and probed on which places would they like designated as CICO points, which they wouldn't, and why. It brought forth a set of guidelines to make spaces more women-friendly.
Storefront Mockups • In the first phase of research we learned that women feel uncomfortable at CICO agent locations. These spaces were male dominated, cramped, and hidden behind places. To understand what characteristics would them feel more comfortable and safe, we created mockups of a variety of storefronts that we had observed with relatively higher women footfall. These were shown to women in the second phase of research and probed on which places would they like designated as CICO points, which they wouldn't, and why. It brought forth a set of guidelines to make spaces more women-friendly.
Storefront Mockups • In the first phase of research we learned that women feel uncomfortable at CICO agent locations. These spaces were male dominated, cramped, and hidden behind places. To understand what characteristics would them feel more comfortable and safe, we created mockups of a variety of storefronts that we had observed with relatively higher women footfall. These were shown to women in the second phase of research and probed on which places would they like designated as CICO points, which they wouldn't, and why. It brought forth a set of guidelines to make spaces more women-friendly.
Sacrificial Concepts • Several early ideas emerged after the first phase of research. To explore these, we created what we call Sacrificial Concepts. These were usually an oral explanation of the concept along with a visual cue. We intentionally design these concepts to push on extreme directions to get a sense of what resonates, and what doesn’t. The point of these early concepts is not to get concept validation but rather to get a reaction from the participant. This leads to richer, more in-depth discussions and help us understand why a design direction might or might not work.
Sacrificial Concepts • Several early ideas emerged after the first phase of research. To explore these, we created what we call Sacrificial Concepts. These were usually an oral explanation of the concept along with a visual cue. We intentionally design these concepts to push on extreme directions to get a sense of what resonates, and what doesn’t. The point of these early concepts is not to get concept validation but rather to get a reaction from the participant. This leads to richer, more in-depth discussions and help us understand why a design direction might or might not work.
Sacrificial Concepts • Several early ideas emerged after the first phase of research. To explore these, we created what we call Sacrificial Concepts. These were usually an oral explanation of the concept along with a visual cue. We intentionally design these concepts to push on extreme directions to get a sense of what resonates, and what doesn’t. The point of these early concepts is not to get concept validation but rather to get a reaction from the participant. This leads to richer, more in-depth discussions and help us understand why a design direction might or might not work.
Sacrificial Concepts • Several early ideas emerged after the first phase of research. To explore these, we created what we call Sacrificial Concepts. These were usually an oral explanation of the concept along with a visual cue. We intentionally design these concepts to push on extreme directions to get a sense of what resonates, and what doesn’t. The point of these early concepts is not to get concept validation but rather to get a reaction from the participant. This leads to richer, more in-depth discussions and help us understand why a design direction might or might not work.
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Immersion
Immersion
Immersion
Immersion
CHALLENGES & ADAPTATIONS
CHALLENGES & ADAPTATIONS
CHALLENGES & ADAPTATIONS
Social norms meant that at several points during the project, there were family members or neighbors present with the women in our discussions. As a result, their answers were either being influenced or the complete picture was not being communicated. Requesting the person to leave was not an option as that could create issues for our participants, and affect the relationship we were building in the community.
To mitigate this, we turned those engagements into group discussions instead of individual interviews. This encouraged a more open exchange of thoughts and ideas when the additional person felt included. They also appeared to give more space to the intended woman participant to speak their mind in the conversation.
Social norms meant that at several points during the project, there were family members or neighbors present with the women in our discussions. As a result, their answers were either being influenced or the complete picture was not being communicated. Requesting the person to leave was not an option as that could create issues for our participants, and affect the relationship we were building in the community.
To mitigate this, we turned those engagements into group discussions instead of individual interviews. This encouraged a more open exchange of thoughts and ideas when the additional person felt included. They also appeared to give more space to the intended woman participant to speak their mind in the conversation.
Social norms meant that at several points during the project, there were family members or neighbors present with the women in our discussions. As a result, their answers were either being influenced or the complete picture was not being communicated. Requesting the person to leave was not an option as that could create issues for our participants, and affect the relationship we were building in the community.
To mitigate this, we turned those engagements into group discussions instead of individual interviews. This encouraged a more open exchange of thoughts and ideas when the additional person felt included. They also appeared to give more space to the intended woman participant to speak their mind in the conversation.
We also saw this as an opportunity to understand motivations and decision-making dynamics in the household. These additional participants shed light on what shapes their decisions, helping us gauge how that compares to the women's decisions. We were able to see how relationships affect each other's behaviors and where the women lie on the decision-making scale.
Another adaptation we made in the field was to abandon the Bean Game activity that we were to use for talking about income, expenses, and tradeoffs. The participants had difficulty equating beans with money, so we switched to real bank notes to represent portions of their money
We also saw this as an opportunity to understand motivations and decision-making dynamics in the household. These additional participants shed light on what shapes their decisions, helping us gauge how that compares to the women's decisions. We were able to see how relationships affect each other's behaviors and where the women lie on the decision-making scale.
Another adaptation we made in the field was to abandon the Bean Game activity that we were to use for talking about income, expenses, and tradeoffs. The participants had difficulty equating beans with money, so we switched to real bank notes to represent portions of their money
We also saw this as an opportunity to understand motivations and decision-making dynamics in the household. These additional participants shed light on what shapes their decisions, helping us gauge how that compares to the women's decisions. We were able to see how relationships affect each other's behaviors and where the women lie on the decision-making scale.
Another adaptation we made in the field was to abandon the Bean Game activity that we were to use for talking about income, expenses, and tradeoffs. The participants had difficulty equating beans with money, so we switched to real bank notes to represent portions of their money
CHALLENGES & ADAPTATIONS
Social norms meant that at several points during the project, there were family members or neighbors present with the women in our discussions. As a result, their answers were either being influenced or the complete picture was not being communicated. Requesting the person to leave was not an option as that could create issues for our participants, and affect the relationship we were building in the community.
To mitigate this, we turned those engagements into group discussions instead of individual interviews. This encouraged a more open exchange of thoughts and ideas when the additional person felt included. They also appeared to give more space to the intended woman participant to speak their mind in the conversation.
We also saw this as an opportunity to understand motivations and decision-making dynamics in the household. These additional participants shed light on what shapes their decisions, helping us gauge how that compares to the women's decisions. We were able to see how relationships affect each other's behaviors and where the women lie on the decision-making scale.
Another adaptation we made in the field was to abandon the Bean Game activity that we were to use for talking about income, expenses, and tradeoffs. The participants had difficulty equating beans with money, so we switched to real bank notes to represent portions of their money
OBSERVATIONS
OBSERVATIONS
OBSERVATIONS
Lack of Women-Friendly Spaces • A distinct scarcity of spaces that catered to women was noted. Public spaces, including mobile money shops, predominantly had a male-dominated atmosphere, often uncomfortable and unwelcoming for women. This lack of inclusive spaces underscored a broader societal challenge, where the absence of enabling environments perpetuates barriers to their participation in financial activities that require engaging with a physical space.
Passive Representation in Communications • The prevailing trend we noticed in marketing material was that women were consistently portrayed as passive users in all forms of communication. Promo materials and advertisements predominantly depicted men as the primary actors in mobile money usage, relegating women to secondary roles or presenting them as reliant on male assistance. This visual narrative perpetuated the belief that digital financial services were not intended for women, reinforcing a sense of exclusion and undermining their agency.
Lack of Women-Friendly Spaces • A distinct scarcity of spaces that catered to women was noted. Public spaces, including mobile money shops, predominantly had a male-dominated atmosphere, often uncomfortable and unwelcoming for women. This lack of inclusive spaces underscored a broader societal challenge, where the absence of enabling environments perpetuates barriers to their participation in financial activities that require engaging with a physical space.
Passive Representation in Communications • The prevailing trend we noticed in marketing material was that women were consistently portrayed as passive users in all forms of communication. Promo materials and advertisements predominantly depicted men as the primary actors in mobile money usage, relegating women to secondary roles or presenting them as reliant on male assistance. This visual narrative perpetuated the belief that digital financial services were not intended for women, reinforcing a sense of exclusion and undermining their agency.
Lack of Women-Friendly Spaces • A distinct scarcity of spaces that catered to women was noted. Public spaces, including mobile money shops, predominantly had a male-dominated atmosphere, often uncomfortable and unwelcoming for women. This lack of inclusive spaces underscored a broader societal challenge, where the absence of enabling environments perpetuates barriers to their participation in financial activities that require engaging with a physical space.
Passive Representation in Communications • The prevailing trend we noticed in marketing material was that women were consistently portrayed as passive users in all forms of communication. Promo materials and advertisements predominantly depicted men as the primary actors in mobile money usage, relegating women to secondary roles or presenting them as reliant on male assistance. This visual narrative perpetuated the belief that digital financial services were not intended for women, reinforcing a sense of exclusion and undermining their agency.
Stereotypical Separate Counters • Our observations revealed that at shops that did have separate counters catering to women, the shelves behind were stocked with stereotypically 'feminine' products like makeup and sewing kits. This practice not only imposed rigid gender norms but also communicated a limiting message – that women's financial needs were confined to a specific domain, sidelining their agency in broader financial matters. This further contributed to the marginalization of women's financial engagement.
Stereotypical Separate Counters • Our observations revealed that at shops that did have separate counters catering to women, the shelves behind were stocked with stereotypically 'feminine' products like makeup and sewing kits. This practice not only imposed rigid gender norms but also communicated a limiting message – that women's financial needs were confined to a specific domain, sidelining their agency in broader financial matters. This further contributed to the marginalization of women's financial engagement.
Stereotypical Separate Counters • Our observations revealed that at shops that did have separate counters catering to women, the shelves behind were stocked with stereotypically 'feminine' products like makeup and sewing kits. This practice not only imposed rigid gender norms but also communicated a limiting message – that women's financial needs were confined to a specific domain, sidelining their agency in broader financial matters. This further contributed to the marginalization of women's financial engagement.
I don't think I've seen someone like me in any of these (mobile money) ads.
— Seema, 27
I don't think I've seen someone like me in any of these (mobile money) ads.
— Seema, 27
I don't think I've seen someone like me in any of these (mobile money) ads.
— Seema, 27
OBSERVATIONS
Lack of Women-Friendly Spaces • A distinct scarcity of spaces that catered to women was noted. Public spaces, including mobile money shops, predominantly had a male-dominated atmosphere, often uncomfortable and unwelcoming for women. This lack of inclusive spaces underscored a broader societal challenge, where the absence of enabling environments perpetuates barriers to their participation in financial activities that require engaging with a physical space.
Passive Representation in Communications • The prevailing trend we noticed in marketing material was that women were consistently portrayed as passive users in all forms of communication. Promo materials and advertisements predominantly depicted men as the primary actors in mobile money usage, relegating women to secondary roles or presenting them as reliant on male assistance. This visual narrative perpetuated the belief that digital financial services were not intended for women, reinforcing a sense of exclusion and undermining their agency.
Stereotypical Separate Counters • Our observations revealed that at shops that did have separate counters catering to women, the shelves behind were stocked with stereotypically 'feminine' products like makeup and sewing kits. This practice not only imposed rigid gender norms but also communicated a limiting message – that women's financial needs were confined to a specific domain, sidelining their agency in broader financial matters. This further contributed to the marginalization of women's financial engagement.
I don't think I've seen someone like me in any of these (mobile money) ads.
— Seema, 27
MOMENTS OF DELIGHT
MOMENTS OF DELIGHT
MOMENTS OF DELIGHT
Masooma was one of the participants I met at the tail end of the research. As a micro-entrepreneur, she cooked chickpeas served with local sauces, which her son then sold on a cart in the nearby market. Her home was structured like many others in her village: several disjointed rooms in the neighbourhood, all owned by different families. Masooma had a peculiar rule. The guests she wasn’t familiar with were hosted in one room, and the ones she trusted and whole-heartedly accepted were hosted in another. When our liaison introduced us, she seated us in the first of these rooms. Over the next 15 minutes, the trust dynamics shifted, and we were invited into the other room.
Masooma was one of the participants I met at the tail end of the research. As a micro-entrepreneur, she cooked chickpeas served with local sauces, which her son then sold on a cart in the nearby market. Her home was structured like many others in her village: several disjointed rooms in the neighbourhood, all owned by different families. Masooma had a peculiar rule. The guests she wasn’t familiar with were hosted in one room, and the ones she trusted and whole-heartedly accepted were hosted in another. When our liaison introduced us, she seated us in the first of these rooms. Over the next 15 minutes, the trust dynamics shifted, and we were invited into the other room.
Masooma was one of the participants I met at the tail end of the research. As a micro-entrepreneur, she cooked chickpeas served with local sauces, which her son then sold on a cart in the nearby market. Her home was structured like many others in her village: several disjointed rooms in the neighbourhood, all owned by different families. Masooma had a peculiar rule. The guests she wasn’t familiar with were hosted in one room, and the ones she trusted and whole-heartedly accepted were hosted in another. When our liaison introduced us, she seated us in the first of these rooms. Over the next 15 minutes, the trust dynamics shifted, and we were invited into the other room.
This other room, about a hundred yards away, had nothing apparent that could make you guess its distinguished status. It had a 'ralli' spread on the floor – a quilt handwoven with delicate, local patchwork technique – and a steel cupboard in the center of one of the walls. There was nothing else in the room. But that cupboard with scratches and dents reflecting decades of survival told the entire story: everything Masooma held dear was placed in that cupboard. That information suddenly filled up the empty walls and space in the room with an overwhelming warmth. It felt like a privilege to be in the middle of something bigger than the research and the project, and be a part of someone's lifelong journey.
This other room, about a hundred yards away, had nothing apparent that could make you guess its distinguished status. It had a 'ralli' spread on the floor – a quilt handwoven with delicate, local patchwork technique – and a steel cupboard in the center of one of the walls. There was nothing else in the room. But that cupboard with scratches and dents reflecting decades of survival told the entire story: everything Masooma held dear was placed in that cupboard. That information suddenly filled up the empty walls and space in the room with an overwhelming warmth. It felt like a privilege to be in the middle of something bigger than the research and the project, and be a part of someone's lifelong journey.
This other room, about a hundred yards away, had nothing apparent that could make you guess its distinguished status. It had a 'ralli' spread on the floor – a quilt handwoven with delicate, local patchwork technique – and a steel cupboard in the center of one of the walls. There was nothing else in the room. But that cupboard with scratches and dents reflecting decades of survival told the entire story: everything Masooma held dear was placed in that cupboard. That information suddenly filled up the empty walls and space in the room with an overwhelming warmth. It felt like a privilege to be in the middle of something bigger than the research and the project, and be a part of someone's lifelong journey.
MOMENTS OF DELIGHT
Masooma was one of the participants I met at the tail end of the research. As a micro-entrepreneur, she cooked chickpeas served with local sauces, which her son then sold on a cart in the nearby market. Her home was structured like many others in her village: several disjointed rooms in the neighbourhood, all owned by different families. Masooma had a peculiar rule. The guests she wasn’t familiar with were hosted in one room, and the ones she trusted and whole-heartedly accepted were hosted in another. When our liaison introduced us, she seated us in the first of these rooms. Over the next 15 minutes, the trust dynamics shifted, and we were invited into the other room.
This other room, about a hundred yards away, had nothing apparent that could make you guess its distinguished status. It had a 'ralli' spread on the floor – a quilt handwoven with delicate, local patchwork technique – and a steel cupboard in the center of one of the walls. There was nothing else in the room. But that cupboard with scratches and dents reflecting decades of survival told the entire story: everything Masooma held dear was placed in that cupboard. That information suddenly filled up the empty walls and space in the room with an overwhelming warmth. It felt like a privilege to be in the middle of something bigger than the research and the project, and be a part of someone's lifelong journey.
04
04
04
04
Sensemaking
Sensemaking
Sensemaking
Sensemaking
KEY LEARNINGS
KEY LEARNINGS
KEY LEARNINGS
Their community meets their financial needs, so for better or worse, they see no reason to look elsewhere. Informal resources in the community, deeply built on social relationships, successfully help them navigate savings, loans, and financial shocks. ROSCAs, locally known as ‘committees’, help women team up to save money. When they need to borrow they will reach out to family and friends who let them pay back with no interest and flexible conditions. At their local grocery store, they might buy items on informal credit throughout the month and clear the balance after payday. For them, navigating financial support through community relationships is not a broken system that needs to be fixed. But, there is a ceiling to what the community can provide; their resources are limited to the assets of those around her, and are contingent upon the resilience of the community to financial shocks.
For some, proxies are a symptom of agency and not oppression. Women uses proxies to access formal financial services—this is a norm—but not all proxy use is created equal. A newly-wed woman is more likely to rely on a proxy because her mobility is restricted. But before she is married or after she has children, for example, her mobility increases. It is at times like this when she might use a proxy out of convenience—which allows her to transact on her terms, and without the perceived hassle of visiting an agent.
Their community meets their financial needs, so for better or worse, they see no reason to look elsewhere. Informal resources in the community, deeply built on social relationships, successfully help them navigate savings, loans, and financial shocks. ROSCAs, locally known as ‘committees’, help women team up to save money. When they need to borrow they will reach out to family and friends who let them pay back with no interest and flexible conditions. At their local grocery store, they might buy items on informal credit throughout the month and clear the balance after payday. For them, navigating financial support through community relationships is not a broken system that needs to be fixed. But, there is a ceiling to what the community can provide; their resources are limited to the assets of those around her, and are contingent upon the resilience of the community to financial shocks.
For some, proxies are a symptom of agency and not oppression. Women uses proxies to access formal financial services—this is a norm—but not all proxy use is created equal. A newly-wed woman is more likely to rely on a proxy because her mobility is restricted. But before she is married or after she has children, for example, her mobility increases. It is at times like this when she might use a proxy out of convenience—which allows her to transact on her terms, and without the perceived hassle of visiting an agent.
Their community meets their financial needs, so for better or worse, they see no reason to look elsewhere. Informal resources in the community, deeply built on social relationships, successfully help them navigate savings, loans, and financial shocks. ROSCAs, locally known as ‘committees’, help women team up to save money. When they need to borrow they will reach out to family and friends who let them pay back with no interest and flexible conditions. At their local grocery store, they might buy items on informal credit throughout the month and clear the balance after payday. For them, navigating financial support through community relationships is not a broken system that needs to be fixed. But, there is a ceiling to what the community can provide; their resources are limited to the assets of those around her, and are contingent upon the resilience of the community to financial shocks.
For some, proxies are a symptom of agency and not oppression. Women uses proxies to access formal financial services—this is a norm—but not all proxy use is created equal. A newly-wed woman is more likely to rely on a proxy because her mobility is restricted. But before she is married or after she has children, for example, her mobility increases. It is at times like this when she might use a proxy out of convenience—which allows her to transact on her terms, and without the perceived hassle of visiting an agent.
One bold woman can catalyze her community to trust what was untrusted and to try what was unimaginable. Women find comfort in their reliance on existing financial workarounds as new services are intimidating. Seeing other women from their community with similar backgrounds using those services, however, inspires them to learn about and try them. This is also why door-to-door services (vegetables on carts, used home appliances, microcredit loans) become popular in small communities where they are likely to see neighbors using them. Members of the community often look to committee leaders when seeking help and advice of any kind, be it financial or otherwise, making them a key stakeholder.
Convenience, reliability, and customer service are far more important than the gender of the agent. For women that do CICO themselves, visiting an agent shop is a generally uncomfortable experience. They do not like hanging around large groups of men, nor do they have extra time to spend away from their other responsibilities. Women are most comfortable with what and whom they know. If an agent spends the time to serve her reliably and patiently, their gender is inconsequential to her. Man or women, an agent is capable of building a trusting relationship with her.
One bold woman can catalyze her community to trust what was untrusted and to try what was unimaginable. Women find comfort in their reliance on existing financial workarounds as new services are intimidating. Seeing other women from their community with similar backgrounds using those services, however, inspires them to learn about and try them. This is also why door-to-door services (vegetables on carts, used home appliances, microcredit loans) become popular in small communities where they are likely to see neighbors using them. Members of the community often look to committee leaders when seeking help and advice of any kind, be it financial or otherwise, making them a key stakeholder.
Convenience, reliability, and customer service are far more important than the gender of the agent. For women that do CICO themselves, visiting an agent shop is a generally uncomfortable experience. They do not like hanging around large groups of men, nor do they have extra time to spend away from their other responsibilities. Women are most comfortable with what and whom they know. If an agent spends the time to serve her reliably and patiently, their gender is inconsequential to her. Man or women, an agent is capable of building a trusting relationship with her.
One bold woman can catalyze her community to trust what was untrusted and to try what was unimaginable. Women find comfort in their reliance on existing financial workarounds as new services are intimidating. Seeing other women from their community with similar backgrounds using those services, however, inspires them to learn about and try them. This is also why door-to-door services (vegetables on carts, used home appliances, microcredit loans) become popular in small communities where they are likely to see neighbors using them. Members of the community often look to committee leaders when seeking help and advice of any kind, be it financial or otherwise, making them a key stakeholder.
Convenience, reliability, and customer service are far more important than the gender of the agent. For women that do CICO themselves, visiting an agent shop is a generally uncomfortable experience. They do not like hanging around large groups of men, nor do they have extra time to spend away from their other responsibilities. Women are most comfortable with what and whom they know. If an agent spends the time to serve her reliably and patiently, their gender is inconsequential to her. Man or women, an agent is capable of building a trusting relationship with her.
KEY LEARNINGS
Their community meets their financial needs, so for better or worse, they see no reason to look elsewhere. Informal resources in the community, deeply built on social relationships, successfully help them navigate savings, loans, and financial shocks. ROSCAs, locally known as ‘committees’, help women team up to save money. When they need to borrow they will reach out to family and friends who let them pay back with no interest and flexible conditions. At their local grocery store, they might buy items on informal credit throughout the month and clear the balance after payday. For them, navigating financial support through community relationships is not a broken system that needs to be fixed. But, there is a ceiling to what the community can provide; their resources are limited to the assets of those around her, and are contingent upon the resilience of the community to financial shocks.
For some, proxies are a symptom of agency and not oppression. Women uses proxies to access formal financial services—this is a norm—but not all proxy use is created equal. A newly-wed woman is more likely to rely on a proxy because her mobility is restricted. But before she is married or after she has children, for example, her mobility increases. It is at times like this when she might use a proxy out of convenience—which allows her to transact on her terms, and without the perceived hassle of visiting an agent.
One bold woman can catalyze her community to trust what was untrusted and to try what was unimaginable. Women find comfort in their reliance on existing financial workarounds as new services are intimidating. Seeing other women from their community with similar backgrounds using those services, however, inspires them to learn about and try them. This is also why door-to-door services (vegetables on carts, used home appliances, microcredit loans) become popular in small communities where they are likely to see neighbors using them. Members of the community often look to committee leaders when seeking help and advice of any kind, be it financial or otherwise, making them a key stakeholder.
Convenience, reliability, and customer service are far more important than the gender of the agent. For women that do CICO themselves, visiting an agent shop is a generally uncomfortable experience. They do not like hanging around large groups of men, nor do they have extra time to spend away from their other responsibilities. Women are most comfortable with what and whom they know. If an agent spends the time to serve her reliably and patiently, their gender is inconsequential to her. Man or women, an agent is capable of building a trusting relationship with her.
ARTEFACTS
ARTEFACTS
Archetype Ladder
•
Mobility Stages
•
Cash Flow
•
Sending Journey
•
Receiving Journey
Archetype Ladder
•
Mobility Stages
•
Cash Flow
•
Sending Journey
•
Receiving Journey
Archetype Ladder
Mobility Stages
Cash Flow
Receiving Journey
Sending Journey
ARTEFACTS
Archetype Ladder
•
Mobility Stages
•
Cash Flow
•
Sending Journey
•
Receiving Journey
Archetype Ladder
Mobility Stages
Cash Flow
Receiving Journey
Sending Journey
ARTEFACTS
Archetype Ladder
•
Mobility Stages
•
Cash Flow
•
Sending Journey
•
Receiving Journey
Archetype Ladder
Mobility Stages
Cash Flow
Receiving Journey
Sending Journey
INTERESTING FINDINGS
INTERESTING FINDINGS
INTERESTING FINDINGS
In a room furnished with little more than a tattered rug and a talisman on the wall, one of the research participants, Sara, greeted us with the customary enthusiasm of a grandmother. Sara, lovingly known as Maa Ji in her community, was a widow and the matriarch of the family. She had 3 sons, 2 daughters, 2 daughters-in-law, and 3 grandchildren. We were visiting her home because she had a fascinating story of making her circumstances work for her to share with us.
Almost 50 years ago, Maa Ji started pooling in her first committee with just 2 rupees. She didn’t have much to spare, still she made sure she had those 2 rupees with her at the end of each month. But she wasn’t satisfied with how the committee was being run.
She decided she will address the problems by becoming a committee leader herself. Gradually, she learned how committees are managed and convinced a few people to start a new committee together that she would lead. Today, all the committees in her village are run by her. She is managing contributions by over 150 people, almost half of whom are men. But this is just the start of what’s interesting about her.
In a room furnished with little more than a tattered rug and a talisman on the wall, one of the research participants, Sara, greeted us with the customary enthusiasm of a grandmother. Sara, lovingly known as Maa Ji in her community, was a widow and the matriarch of the family. She had 3 sons, 2 daughters, 2 daughters-in-law, and 3 grandchildren. We were visiting her home because she had a fascinating story of making her circumstances work for her to share with us.
Almost 50 years ago, Maa Ji started pooling in her first committee with just 2 rupees. She didn’t have much to spare, still she made sure she had those 2 rupees with her at the end of each month. But she wasn’t satisfied with how the committee was being run.
She decided she will address the problems by becoming a committee leader herself. Gradually, she learned how committees are managed and convinced a few people to start a new committee together that she would lead. Today, all the committees in her village are run by her. She is managing contributions by over 150 people, almost half of whom are men. But this is just the start of what’s interesting about her.
In a room furnished with little more than a tattered rug and a talisman on the wall, one of the research participants, Sara, greeted us with the customary enthusiasm of a grandmother. Sara, lovingly known as Maa Ji in her community, was a widow and the matriarch of the family. She had 3 sons, 2 daughters, 2 daughters-in-law, and 3 grandchildren. We were visiting her home because she had a fascinating story of making her circumstances work for her to share with us.
Almost 50 years ago, Maa Ji started pooling in her first committee with just 2 rupees. She didn’t have much to spare, still she made sure she had those 2 rupees with her at the end of each month. But she wasn’t satisfied with how the committee was being run.
She decided she will address the problems by becoming a committee leader herself. Gradually, she learned how committees are managed and convinced a few people to start a new committee together that she would lead. Today, all the committees in her village are run by her. She is managing contributions by over 150 people, almost half of whom are men. But this is just the start of what’s interesting about her.
Maa Ji takes a commission from each contribution to keep for herself — Rs.10 on every Rs.1000. Through this arrangement, she earns between Rs. 6000–7000 per month. With the types of payouts and amount of cash being handled, she essentially operates as a bank in the village.
She manages this without having a shortfall of cash because the committees run on different schedules. There are committee with payouts every month, and some every three months. The payout day is also not the same, some are at the beginning of the month, and some in the middle. Even the contribution amount within the same committee varies from person to person.
Maa Ji cannot read or write, which came as a shock to us considering what she does involves a lot of record keeping and calculations. She does all her records and math mentally. When we asked her about it, she smiled and said something that our facilitator translated for us as — “Ye tou kuch bhi nai, zindagi ne aur bhi bohat kuch sikha dia/This is nothing, life has taught me so much more.”
Maa Ji takes a commission from each contribution to keep for herself — Rs.10 on every Rs.1000. Through this arrangement, she earns between Rs. 6000–7000 per month. With the types of payouts and amount of cash being handled, she essentially operates as a bank in the village.
She manages this without having a shortfall of cash because the committees run on different schedules. There are committee with payouts every month, and some every three months. The payout day is also not the same, some are at the beginning of the month, and some in the middle. Even the contribution amount within the same committee varies from person to person.
Maa Ji cannot read or write, which came as a shock to us considering what she does involves a lot of record keeping and calculations. She does all her records and math mentally. When we asked her about it, she smiled and said something that our facilitator translated for us as — “Ye tou kuch bhi nai, zindagi ne aur bhi bohat kuch sikha dia/This is nothing, life has taught me so much more.”
Maa Ji takes a commission from each contribution to keep for herself — Rs.10 on every Rs.1000. Through this arrangement, she earns between Rs. 6000–7000 per month. With the types of payouts and amount of cash being handled, she essentially operates as a bank in the village.
She manages this without having a shortfall of cash because the committees run on different schedules. There are committee with payouts every month, and some every three months. The payout day is also not the same, some are at the beginning of the month, and some in the middle. Even the contribution amount within the same committee varies from person to person.
Maa Ji cannot read or write, which came as a shock to us considering what she does involves a lot of record keeping and calculations. She does all her records and math mentally. When we asked her about it, she smiled and said something that our facilitator translated for us as — “Ye tou kuch bhi nai, zindagi ne aur bhi bohat kuch sikha dia/This is nothing, life has taught me so much more.”
INTERESTING FINDINGS
In a room furnished with little more than a tattered rug and a talisman on the wall, one of the research participants, Sara, greeted us with the customary enthusiasm of a grandmother. Sara, lovingly known as Maa Ji in her community, was a widow and the matriarch of the family. She had 3 sons, 2 daughters, 2 daughters-in-law, and 3 grandchildren. We were visiting her home because she had a fascinating story of making her circumstances work for her to share with us.
Almost 50 years ago, Maa Ji started pooling in her first committee with just 2 rupees. She didn’t have much to spare, still she made sure she had those 2 rupees with her at the end of each month. But she wasn’t satisfied with how the committee was being run.
She decided she will address the problems by becoming a committee leader herself. Gradually, she learned how committees are managed and convinced a few people to start a new committee together that she would lead. Today, all the committees in her village are run by her. She is managing contributions by over 150 people, almost half of whom are men. But this is just the start of what’s interesting about her.
Maa Ji takes a commission from each contribution to keep for herself — Rs.10 on every Rs.1000. Through this arrangement, she earns between Rs. 6000–7000 per month. With the types of payouts and amount of cash being handled, she essentially operates as a bank in the village.
She manages this without having a shortfall of cash because the committees run on different schedules. There are committee with payouts every month, and some every three months. The payout day is also not the same, some are at the beginning of the month, and some in the middle. Even the contribution amount within the same committee varies from person to person.
Maa Ji cannot read or write, which came as a shock to us considering what she does involves a lot of record keeping and calculations. She does all her records and math mentally. When we asked her about it, she smiled and said something that our facilitator translated for us as — “Ye tou kuch bhi nai, zindagi ne aur bhi bohat kuch sikha dia/This is nothing, life has taught me so much more.”
Some female customers travel 60 or even 90 minutes to come to me, because they know I won’t bother them and get the job done. Other agents often make them wait.
— Hamza, CICO agent
Some female customers travel 60 or even 90 minutes to come to me, because they know I won’t bother them and get the job done. Other agents often make them wait.
— Hamza, CICO agent
Some female customers travel 60 or even 90 minutes to come to me, because they know I won’t bother them and get the job done. Other agents often make them wait.
— Hamza, CICO agent
I don’t like sacrificing my sleep. To go out I need to get ready, wear an abaya, etc. It’s a hassle. I’d rather send my brother to the agent– my family knows everything about my finances anyways and I don’t hide anything from them.
—Iqra, 22
I don’t like sacrificing my sleep. To go out I need to get ready, wear an abaya, etc. It’s a hassle. I’d rather send my brother to the agent– my family knows everything about my finances anyways and I don’t hide anything from them.
—Iqra, 22
I don’t like sacrificing my sleep. To go out I need to get ready, wear an abaya, etc. It’s a hassle. I’d rather send my brother to the agent– my family knows everything about my finances anyways and I don’t hide anything from them.
—Iqra, 22
Some female customers travel 60 or even 90 minutes to come to me, because they know I won’t bother them and get the job done. Other agents often make them wait.
— Hamza, CICO agent
I don’t like sacrificing my sleep. To go out I need to get ready, wear an abaya, etc. It’s a hassle. I’d rather send my brother to the agent– my family knows everything about my finances anyways and I don’t hide anything from them.
—Iqra, 22
05
05
05
05
Opportunities
Opportunities
Opportunities
Opportunities
DESIGN PROVOCATIONS
DESIGN PROVOCATIONS
DESIGN PROVOCATIONS
How might we build in decision-making power over her household finances, even when she is not generating income?
How might we remove misconceptions regarding financial services so she feels that they are relevant to her?
How might we take care of her financial needs through DFS in ways her current methods cannot?
How might we find other ways to make an agent shop feel like it’s for women?
How might we ensure she maintains control of her finances when using proxies?
How might we build in decision-making power over her household finances, even when she is not generating income?
How might we remove misconceptions regarding financial services so she feels that they are relevant to her?
How might we take care of her financial needs through DFS in ways her current methods cannot?
How might we find other ways to make an agent shop feel like it’s for women?
How might we ensure she maintains control of her finances when using proxies?
How might we build in decision-making power over her household finances, even when she is not generating income?
How might we remove misconceptions regarding financial services so she feels that they are relevant to her?
How might we take care of her financial needs through DFS in ways her current methods cannot?
How might we find other ways to make an agent shop feel like it’s for women?
How might we ensure she maintains control of her finances when using proxies?
I wasn’t sure about the microcredit loans being offered by the bank representatives that came to our community, but when I saw my friend in the neighbourhood availing it, I did too.
— Farah, 36
I wasn’t sure about the microcredit loans being offered by the bank representatives that came to our community, but when I saw my friend in the neighbourhood availing it, I did too.
— Farah, 36
I wasn’t sure about the microcredit loans being offered by the bank representatives that came to our community, but when I saw my friend in the neighbourhood availing it, I did too.
— Farah, 36
PROTOTYPE NORTH STARS
PROTOTYPE NORTH STARS
PROTOTYPE NORTH STARS
Build for Women First • It’s not enough to make a product or service “pink.” Savings groups are a particularly successful example from these contexts, because they were specifically designed for women. Communities that are marginalized and oppressed by systems of power are often forced to demand equal treatment, protection, and opportunities. These demands are catalysts and rallying cries for advocacy in a world that isn’t designed for them. To support women’s economic empowerment, we must be deliberate and specific about the centrality of women in our solutions.
Make the foreign familiar • Financial services require skills and resources women don’t have and lack the tangibility that governs the rest of their lives. Our designs should incorporate the best of her existing workarounds: tangibility, access for users with low literacy, and options to enlist trusted proxies.
Boost confidence with each interaction • Each transaction is an opportunity for her to build her financial muscle. Teach, guide, and build her knowledge whenever she interacts. We should not test her, but help her bounce back when she struggles or the system fails her. Let’s make it easier for her to re-enter the system.
Build for Women First • It’s not enough to make a product or service “pink.” Savings groups are a particularly successful example from these contexts, because they were specifically designed for women. Communities that are marginalized and oppressed by systems of power are often forced to demand equal treatment, protection, and opportunities. These demands are catalysts and rallying cries for advocacy in a world that isn’t designed for them. To support women’s economic empowerment, we must be deliberate and specific about the centrality of women in our solutions.
Make the foreign familiar • Financial services require skills and resources women don’t have and lack the tangibility that governs the rest of their lives. Our designs should incorporate the best of her existing workarounds: tangibility, access for users with low literacy, and options to enlist trusted proxies.
Boost confidence with each interaction • Each transaction is an opportunity for her to build her financial muscle. Teach, guide, and build her knowledge whenever she interacts. We should not test her, but help her bounce back when she struggles or the system fails her. Let’s make it easier for her to re-enter the system.
Build for Women First • It’s not enough to make a product or service “pink.” Savings groups are a particularly successful example from these contexts, because they were specifically designed for women. Communities that are marginalized and oppressed by systems of power are often forced to demand equal treatment, protection, and opportunities. These demands are catalysts and rallying cries for advocacy in a world that isn’t designed for them. To support women’s economic empowerment, we must be deliberate and specific about the centrality of women in our solutions.
Make the foreign familiar • Financial services require skills and resources women don’t have and lack the tangibility that governs the rest of their lives. Our designs should incorporate the best of her existing workarounds: tangibility, access for users with low literacy, and options to enlist trusted proxies.
Boost confidence with each interaction • Each transaction is an opportunity for her to build her financial muscle. Teach, guide, and build her knowledge whenever she interacts. We should not test her, but help her bounce back when she struggles or the system fails her. Let’s make it easier for her to re-enter the system.
DESIGN PROVOCATIONS
How might we build in decision-making power over her household finances, even when she is not generating income?
How might we remove misconceptions regarding financial services so she feels that they are relevant to her?
How might we take care of her financial needs through DFS in ways her current methods cannot?
How might we find other ways to make an agent shop feel like it’s for women?
How might we ensure she maintains control of her finances when using proxies?
I wasn’t sure about the microcredit loans being offered by the bank representatives that came to our community, but when I saw my friend in the neighbourhood availing it, I did too.
— Farah, 36
PROTOTYPE NORTH STARS
Build for Women First • It’s not enough to make a product or service “pink.” Savings groups are a particularly successful example from these contexts, because they were specifically designed for women. Communities that are marginalized and oppressed by systems of power are often forced to demand equal treatment, protection, and opportunities. These demands are catalysts and rallying cries for advocacy in a world that isn’t designed for them. To support women’s economic empowerment, we must be deliberate and specific about the centrality of women in our solutions.
Make the foreign familiar • Financial services require skills and resources women don’t have and lack the tangibility that governs the rest of their lives. Our designs should incorporate the best of her existing workarounds: tangibility, access for users with low literacy, and options to enlist trusted proxies.
Boost confidence with each interaction • Each transaction is an opportunity for her to build her financial muscle. Teach, guide, and build her knowledge whenever she interacts. We should not test her, but help her bounce back when she struggles or the system fails her. Let’s make it easier for her to re-enter the system.
RECOMMENDATIONS
RECOMMENDATIONS
RECOMMENDATIONS
CICO Rickshaw • Lack of mobility is a significant barrier to low-income women accessing CICO. Even to collect groceries, she is limited to options that are close by. Instead of expecting her to seek out CICO services, a CICO Rickshaw brings the service to her. It builds on the existing patterns in their communities of milk and vegetable vendors going door to door to make their sale.
The CICO services are offered in addition to groceries and day-to-day products that aren’t available at the local market. All purchases are made digitally, so to access the rickshaw’s convenient services, women would need to open a mobile wallet account. Once they have a mobile wallet account, women can request specific product orders from the rickshaw and even schedule the rickshaw to come to their house at their convenience.
CICO Rickshaw • Lack of mobility is a significant barrier to low-income women accessing CICO. Even to collect groceries, she is limited to options that are close by. Instead of expecting her to seek out CICO services, a CICO Rickshaw brings the service to her. It builds on the existing patterns in their communities of milk and vegetable vendors going door to door to make their sale.
The CICO services are offered in addition to groceries and day-to-day products that aren’t available at the local market. All purchases are made digitally, so to access the rickshaw’s convenient services, women would need to open a mobile wallet account. Once they have a mobile wallet account, women can request specific product orders from the rickshaw and even schedule the rickshaw to come to their house at their convenience.
CICO Rickshaw • Lack of mobility is a significant barrier to low-income women accessing CICO. Even to collect groceries, she is limited to options that are close by. Instead of expecting her to seek out CICO services, a CICO Rickshaw brings the service to her. It builds on the existing patterns in their communities of milk and vegetable vendors going door to door to make their sale.
The CICO services are offered in addition to groceries and day-to-day products that aren’t available at the local market. All purchases are made digitally, so to access the rickshaw’s convenient services, women would need to open a mobile wallet account. Once they have a mobile wallet account, women can request specific product orders from the rickshaw and even schedule the rickshaw to come to their house at their convenience.
Shop Pack • CICO shops are male-dominated spaces that most women feel reluctant to visit. These spaces are small, and if they are crowded then women are forced to either rub shoulders with men or wait long times for the congestion to dissipate. Incorporating elements from spaces women feel comfortable in at CICO points creates a more enjoyable experience for women. Placing agents next to places women frequent also makes them more comfortable.
The Shop Pack is a set of easy modifications that any agent can incorporate into their space. A poster for the agent’s table calls out a women-only line, along with the appropriate depth of a counter that makes a woman feel more comfortable. This counter is also closer to the exit. Signage for the floor helps the agent keep the lines in order, and helps to ensure she has the space she needs if she has a companion with her.
Shop Pack • CICO shops are male-dominated spaces that most women feel reluctant to visit. These spaces are small, and if they are crowded then women are forced to either rub shoulders with men or wait long times for the congestion to dissipate. Incorporating elements from spaces women feel comfortable in at CICO points creates a more enjoyable experience for women. Placing agents next to places women frequent also makes them more comfortable.
The Shop Pack is a set of easy modifications that any agent can incorporate into their space. A poster for the agent’s table calls out a women-only line, along with the appropriate depth of a counter that makes a woman feel more comfortable. This counter is also closer to the exit. Signage for the floor helps the agent keep the lines in order, and helps to ensure she has the space she needs if she has a companion with her.
Shop Pack • CICO shops are male-dominated spaces that most women feel reluctant to visit. These spaces are small, and if they are crowded then women are forced to either rub shoulders with men or wait long times for the congestion to dissipate. Incorporating elements from spaces women feel comfortable in at CICO points creates a more enjoyable experience for women. Placing agents next to places women frequent also makes them more comfortable.
The Shop Pack is a set of easy modifications that any agent can incorporate into their space. A poster for the agent’s table calls out a women-only line, along with the appropriate depth of a counter that makes a woman feel more comfortable. This counter is also closer to the exit. Signage for the floor helps the agent keep the lines in order, and helps to ensure she has the space she needs if she has a companion with her.
Behbud Power Track • The Behbud Power Track is a program backed by a financial institution that gives committee leaders the tools to become financial trailblazers in their community. Beyond bringing CICO to her, she can cultivate the value of digital products and encourage her community to trust and utilize DFS in their lives. Leaders join this program to receive training workshops, transact as agents, and make commission when women sign up for financial products. Bank partnerships provide them with official transaction ledgers that allows members to build credit and unlock approval for community loans.
Women use committees for short term goals today and will benefit from a light structure that encourages positive financial habits. A non-profit oversight board ensures that women are only encouraged into products that are genuinely helpful for them.
Behbud Power Track • The Behbud Power Track is a program backed by a financial institution that gives committee leaders the tools to become financial trailblazers in their community. Beyond bringing CICO to her, she can cultivate the value of digital products and encourage her community to trust and utilize DFS in their lives. Leaders join this program to receive training workshops, transact as agents, and make commission when women sign up for financial products. Bank partnerships provide them with official transaction ledgers that allows members to build credit and unlock approval for community loans.
Women use committees for short term goals today and will benefit from a light structure that encourages positive financial habits. A non-profit oversight board ensures that women are only encouraged into products that are genuinely helpful for them.
Behbud Power Track • The Behbud Power Track is a program backed by a financial institution that gives committee leaders the tools to become financial trailblazers in their community. Beyond bringing CICO to her, she can cultivate the value of digital products and encourage her community to trust and utilize DFS in their lives. Leaders join this program to receive training workshops, transact as agents, and make commission when women sign up for financial products. Bank partnerships provide them with official transaction ledgers that allows members to build credit and unlock approval for community loans.
Women use committees for short term goals today and will benefit from a light structure that encourages positive financial habits. A non-profit oversight board ensures that women are only encouraged into products that are genuinely helpful for them.
RECOMMENDATIONS
CICO Rickshaw • Lack of mobility is a significant barrier to low-income women accessing CICO. Even to collect groceries, she is limited to options that are close by. Instead of expecting her to seek out CICO services, a CICO Rickshaw brings the service to her. It builds on the existing patterns in their communities of milk and vegetable vendors going door to door to make their sale.
The CICO services are offered in addition to groceries and day-to-day products that aren’t available at the local market. All purchases are made digitally, so to access the rickshaw’s convenient services, women would need to open a mobile wallet account. Once they have a mobile wallet account, women can request specific product orders from the rickshaw and even schedule the rickshaw to come to their house at their convenience.
Shop Pack • CICO shops are male-dominated spaces that most women feel reluctant to visit. These spaces are small, and if they are crowded then women are forced to either rub shoulders with men or wait long times for the congestion to dissipate. Incorporating elements from spaces women feel comfortable in at CICO points creates a more enjoyable experience for women. Placing agents next to places women frequent also makes them more comfortable.
The Shop Pack is a set of easy modifications that any agent can incorporate into their space. A poster for the agent’s table calls out a women-only line, along with the appropriate depth of a counter that makes a woman feel more comfortable. This counter is also closer to the exit. Signage for the floor helps the agent keep the lines in order, and helps to ensure she has the space she needs if she has a companion with her.
Behbud Power Track • The Behbud Power Track is a program backed by a financial institution that gives committee leaders the tools to become financial trailblazers in their community. Beyond bringing CICO to her, she can cultivate the value of digital products and encourage her community to trust and utilize DFS in their lives. Leaders join this program to receive training workshops, transact as agents, and make commission when women sign up for financial products. Bank partnerships provide them with official transaction ledgers that allows members to build credit and unlock approval for community loans.
Women use committees for short term goals today and will benefit from a light structure that encourages positive financial habits. A non-profit oversight board ensures that women are only encouraged into products that are genuinely helpful for them.
06
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Wrapup
Wrapup
Wrapup
Wrapup
PERSONAL LEARNINGS
PERSONAL LEARNINGS
PERSONAL LEARNINGS
My journey through this project changed my perspective on financial inclusion. Hearing stories of how women are actively performing diverse financial tasks without formal bank accounts was quite interesting. This posed some fundamental questions: What does it mean to be financially included? Can people who're financially literate and are making things work for them without a bank account be considered included? Does the term require reevaluation? This realization catalyzed a shift in how I explored nuances of financial inclusion beyond conventional definitions.
As a result, my understanding of what it means to be financially included has evolved into a more holistic and multi-dimensional concept, encompassing a spectrum of financial behaviors and practices that empower individuals in unique and diverse ways.
My journey through this project changed my perspective on financial inclusion. Hearing stories of how women are actively performing diverse financial tasks without formal bank accounts was quite interesting. This posed some fundamental questions: What does it mean to be financially included? Can people who're financially literate and are making things work for them without a bank account be considered included? Does the term require reevaluation? This realization catalyzed a shift in how I explored nuances of financial inclusion beyond conventional definitions.
As a result, my understanding of what it means to be financially included has evolved into a more holistic and multi-dimensional concept, encompassing a spectrum of financial behaviors and practices that empower individuals in unique and diverse ways.
My journey through this project changed my perspective on financial inclusion. Hearing stories of how women are actively performing diverse financial tasks without formal bank accounts was quite interesting. This posed some fundamental questions: What does it mean to be financially included? Can people who're financially literate and are making things work for them without a bank account be considered included? Does the term require reevaluation? This realization catalyzed a shift in how I explored nuances of financial inclusion beyond conventional definitions.
As a result, my understanding of what it means to be financially included has evolved into a more holistic and multi-dimensional concept, encompassing a spectrum of financial behaviors and practices that empower individuals in unique and diverse ways.
DO DIFFERENTLY NEXT TIME
DO DIFFERENTLY NEXT TIME
DO DIFFERENTLY NEXT TIME
Reflecting on the project, there are ways we can improve our methods in the future. One thing I would do differently is to have direct conversations with women while they are using digital financial services at agent locations. These intercept interviews can give a closer look at their behavior at the time of interaction with the touchpoint, and uncover immediate challenges.
Another important focus would be studying how we communicate and brand our services in spaces that have higher women footfall than men. Understanding how tailored messages can affect women's perception and use of financial services can help us engage with them more effectively.
Reflecting on the project, there are ways we can improve our methods in the future. One thing I would do differently is to have direct conversations with women while they are using digital financial services at agent locations. These intercept interviews can give a closer look at their behavior at the time of interaction with the touchpoint, and uncover immediate challenges.
Another important focus would be studying how we communicate and brand our services in spaces that have higher women footfall than men. Understanding how tailored messages can affect women's perception and use of financial services can help us engage with them more effectively.
Reflecting on the project, there are ways we can improve our methods in the future. One thing I would do differently is to have direct conversations with women while they are using digital financial services at agent locations. These intercept interviews can give a closer look at their behavior at the time of interaction with the touchpoint, and uncover immediate challenges.
Another important focus would be studying how we communicate and brand our services in spaces that have higher women footfall than men. Understanding how tailored messages can affect women's perception and use of financial services can help us engage with them more effectively.
PERSONAL LEARNINGS
My journey through this project changed my perspective on financial inclusion. Hearing stories of how women are actively performing diverse financial tasks without formal bank accounts was quite interesting. This posed some fundamental questions: What does it mean to be financially included? Can people who're financially literate and are making things work for them without a bank account be considered included? Does the term require reevaluation? This realization catalyzed a shift in how I explored nuances of financial inclusion beyond conventional definitions.
As a result, my understanding of what it means to be financially included has evolved into a more holistic and multi-dimensional concept, encompassing a spectrum of financial behaviors and practices that empower individuals in unique and diverse ways.
DO DIFFERENTLY NEXT TIME
Reflecting on the project, there are ways we can improve our methods in the future. One thing I would do differently is to have direct conversations with women while they are using digital financial services at agent locations. These intercept interviews can give a closer look at their behavior at the time of interaction with the touchpoint, and uncover immediate challenges.
Another important focus would be studying how we communicate and brand our services in spaces that have higher women footfall than men. Understanding how tailored messages can affect women's perception and use of financial services can help us engage with them more effectively.
CONCLUDING THOUGHTS
CONCLUDING THOUGHTS
CONCLUDING THOUGHTS
Our journey reveals a crucial truth: empowering women starts by rethinking their relationship with money. Despite scarcity, women show resourcefulness and reshape norms. True empowerment would mean designing for building their confidence to boost their voices and control over finances. Closing the gender gap in Pakistan might seem like an uphill battle, but DFS holds transformative potential. Services must go beyond being neutral, and create relevant usecases for women. They embody Pakistan's future, and are ready to shape lives beyond their own.
Our journey reveals a crucial truth: empowering women starts by rethinking their relationship with money. Despite scarcity, women show resourcefulness and reshape norms. True empowerment would mean designing for building their confidence to boost their voices and control over finances. Closing the gender gap in Pakistan might seem like an uphill battle, but DFS holds transformative potential. Services must go beyond being neutral, and create relevant usecases for women. They embody Pakistan's future, and are ready to shape lives beyond their own.
Our journey reveals a crucial truth: empowering women starts by rethinking their relationship with money. Despite scarcity, women show resourcefulness and reshape norms. True empowerment would mean designing for building their confidence to boost their voices and control over finances. Closing the gender gap in Pakistan might seem like an uphill battle, but DFS holds transformative potential. Services must go beyond being neutral, and create relevant usecases for women. They embody Pakistan's future, and are ready to shape lives beyond their own.
CONCLUDING THOUGHTS
Our journey reveals a crucial truth: empowering women starts by rethinking their relationship with money. Despite scarcity, women show resourcefulness and reshape norms. True empowerment would mean designing for building their confidence to boost their voices and control over finances. Closing the gender gap in Pakistan might seem like an uphill battle, but DFS holds transformative potential. Services must go beyond being neutral, and create relevant usecases for women. They embody Pakistan's future, and are ready to shape lives beyond their own.
07
07
(next case study section)
(next case study section)
Here's what I occupy myself with on break from my primary workstream. It's the other side of what I bring to the jam. In the words of Suzanne Gibbs, it's my business card's 'B side'.
Here's what I occupy myself with on break from my primary workstream. It's the other side of what I bring to the jam. In the words of Suzanne Gibbs, it's my business card's 'B side'.
Trust framework for covid vaccine uptake
Trust framework for covid vaccine uptake
Agri
Agri
EXPERIENCES
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COMMUNITY
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RESEARCH
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WRITING
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PERSONAS
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ETHNOGRAPHY
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INSIGHTS
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Ideation
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BLUEPRINTING
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JOURNEYS
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PROTOTYPING
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NARRATIVES
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workshops
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EXPERIENCES
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COMMUNITY
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RESEARCH
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WRITING
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PERSONAS
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ETHNOGRAPHY
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INSIGHTS
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Ideation
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BLUEPRINTING
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JOURNEYS
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PROTOTYPING
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NARRATIVES
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workshops
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EXPERIENCES
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COMMUNITY
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RESEARCH
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WRITING
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PERSONAS
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ETHNOGRAPHY
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INSIGHTS
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Ideation
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BLUEPRINTING
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JOURNEYS
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PROTOTYPING
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NARRATIVES
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workshops
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EXPERIENCES
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COMMUNITY
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RESEARCH
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WRITING
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PERSONAS
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ETHNOGRAPHY
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INSIGHTS
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Ideation
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BLUEPRINTING
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JOURNEYS
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PROTOTYPING
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NARRATIVES
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workshops
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08
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Say hello.
Say hello.
Say hello.
Projects? Collaborations? Tiny little love notes?
Send me a message, I'm all ears.
Projects? Collaborations? Tiny little love notes?
Send me a message, I'm all ears.
Projects? Collaborations? Tiny little love notes?
Send me a message, I'm all ears.
Projects? Collaborations? Tiny little love notes?
Send me a message, I'm all ears.
Copyright © 2023 Syed Faizan Raza
Copyright © 2023 Syed Faizan Raza
Copyright © 2023 Syed Faizan Raza
Copyright © 2023 Syed Faizan Raza