Case Study: The Long Road to Branchless Banking

In 2012, FINCA carried out a pilot of a proprietary network of FINCA branded agents, called FINCA Express, starting with the Democratic Republic of Congo. Five years later, this delivery channel has been replicated and deployed in Tanzania, Zambia, Nigeria, and Malawi, and has become an integral element of FINCA’s business and operating model. FINCA’s agency channel currently processes more transactions than the branch network, and it continues to grow.

This case study highlights FINCA’s journey to deploy agency banking over the past four years, with the goal to provide strategic, operational, and technical learnings for other institutions that are considering deploying or building upon a similar channel.

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