PHB Development

Financial inclusion through Digital Financial Services

PHB Development is a specialised consulting company that supports clients in their efforts to expand and improve access to financial services for the un(der)banked, with a focus on innovative financial services and delivery channels. Our vision is a world in which the use of technology gives all people access to financial services as a means to enhance their standard of living.


PHB Podcast: Voices of Inclusion


Episode 4

Listen to PHB Consultant, Ciprian Panturu, shares his experience working with UNCDF to develop a new channel of Agency Banking in Uganda.

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PHB Blogs


PHB Co-hosts Roundtable on Practical Adaptation to Climate Change

Some 30 international organizations and embassies gathered in The Hague, the Netherlands, on 5 July to brainstorm on how water resource management, agriculture and  financial systems in developing countries can better respond to a changing climate. This 9th meeting of The Hague Roundtable on Climate & Security was co-hosted by PHB Development. PHB – which … Continue reading "PHB Co-hosts Roundtable on Practical Adaptation to Climate Change"

More Blogs

Eight partners of Savings at the Frontier programme, SatF colleagues and PHB Development met together 25-27 November at Dar to discuss how to create, improve and ensure Customer Value Proposition. @SavingsFrontier @PHBDevelopment @MastercardFdn @OPMglobal


Thanks to everyone who attend our peer learning event exploring the customer value proposition this week. That's you DSS, VisionFund Zambia, @MFinancezambia @TzEquityBank @MaxcomAfrica @NMBTanzania @bank_postal @EP_Africa With thanks to our facilitators @PHBDevelopment

Our Practices

© PHB Development/ Innate Motion

Academy practice

PHB Academy is our coaching and training practice that is designed to increase the long-term positive impact of our work.

We offer courses and workshops to target a variety of stakeholders or a specific group of management or staff.  Instruction develops practical skills and positive attitudes needed to design, manage and deliver DFS in a sustainable manner.

© Cyril Ducottet

Consultancy practice

PHB Development offers advisory services at all stages of the deployment of digital financial products and services and delivery channels: feasibility, design and implementation and performance improvement. Our approach is tailored to meet the specific needs of our clients, because each one is unique and each project is different.

© Umberto Trivella

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.

Our clients

© PHB Development/ Innate Motion


We assist MNOs to pioneer and redefine mobile financial services to reach previously unbanked customers, maximise customer loyalty, increase ARPU, reduce churn and generate new revenues.

© Wari Senegal


We help money transfer networks and payment providers build distribution channels and formulate solutions to successfully launch innovative money transfer and card services.

mHOSE banner


We support retail banks and microfinance institutions to develop financial products and deploy new channels to capture unbanked customers, whilst improving service delivery.

Photo courtesy of The MasterCard Foundation © 2016


We devise strategies for mobile and agency banking with international development agencies, driven by the common belief that expanding financial services is critical to financial inclusion.

PHB Blogs

  • PHB Co-hosts Roundtable on Practical Adaptation to Climate Change
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    Report: Supporting a ‘New Channel’ of Agency Banking
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  • Agriculture and displacement: PHB at UN Climate Conference
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PHB News

  • ‘Mama bank’ launched for biometric access
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  • PHB Newsbrief & Year in Review video
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    • Digitizing Payments in Agricultural Value Chains in Uganda by UNCDF
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Email : belgium@phbdevelopment.com

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