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Hot off the press: PHB Academy warmly congratulates the branch managers and channels banking staff at FINCA Zambia who just completed Module 2 of its eWorkshop on Agent Network Management!

Learn more about PHB Academy


Coming soon: PHB Academy proudly announces “How to succeed in your digital journey”, a series of Toolkits for financial service providers produced in collaboration with UNCDF Microlead.


Learn more about the DFS Toolkits


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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