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"FINCA Tanzania is grateful to PHB for the support received while building its agency banking channel. PHB helped FINCA to develop a strategy for its agent network model and equipped the staff with the know-how, skills, methodologies and tools to manage the full range of agency banking. As a result we envision an improvement in our customers' access to their accounts for deposits and withdrawals at their convenience. It is an extremely customer friendly process and secure, as identification takes place through fingerprint biometrics on the agent's POS device. This has improved FINCA's image towards customers and increased their confidence in us."

Grace Akinyi, Head of Banking Services, FINCA Tanzania

"Cordaid is very satisfied with the work done by PHB Development in Sierra Leone. They were quick and flexible in taking up the job, but more importantly: their work was thorough and presented in a lively manner to all stakeholders. The study has improved the MFIs knowledge on mobile money and given them concrete ideas about how to tackle the subject for their own advantage."

Sonja van der Eijk, Investment Manager, Cordaid

"PHB Development assisted us with the product and project management of Orange Money in Uganda. They successfully designed, implemented and launched the service in all streams. This product resulted in increased revenues. Within the first 2 weeks after the launch, 13000 customers subscribed to the service. It has been a pleasure working with them."

Bertrand Lacroix, CMO, Orange Uganda

"PHB Development has provided tremendous support in our implementation of mHose, a mobile and agent banking service in Rwanda. PHB Development assisted us in every phase of the project, and ensured the smooth integration of the mVisa platform. The consultants take a hands-on approach, producing high quality, detailed and accurate work, which is completed on time. They had a pleasant and uplifting relationship with our staff. I highly recommend PHB Development. Kudos to them!"

Jeffrey J. Lee, President & CEO, Urwego Opportunity Bank

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Welcome to PHB Development:


PHB Development is a specialist consulting firm committed to increasing financial inclusion for underserved markets in developing countries. We support our clients to develop viable financial services and delivery channels, such as: remittances, mobile financial services, agent networks, savings and loans products, biometrics, chip cards, ATMs and POS terminals. 


We offer an inclusive approach:

  • A comprehensive methodology covering various dimensions, including; market scoping, business model design, regulatory advice and performance evaluation for financial services and financial inclusion
  • Complete support from strategy to planning, implementation and roll out phases
  • Multi sector knowledge (microfinance, banking, legal, remittances, payments and telecoms)


Our Clients:     

  • Mobile Network Operators  launch and evolve mobile money services to increase ARPU, reduce churn, save on airtime distribution and maximise profits whilst overcoming challenges related to usage and dormancy 
  • Retail Banks & Microfinance Institutions − leverage new technologies and alternative delivery channels to offer competitive services for underserved markets
  • Remittances & Payment Providers – make money transfer easier through electronic channels for migrant workers and unbanked customers, whilst improving your efficiencies and boosting revenues
  • International Development Agencies – invest in branchless banking and mobile financial services to effectively increase access to financial services in developing countries