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


Mobile Money and the aspiration of entering a modern world

14 January 2020 By Lisa Chassin Chronic drought and conflicts have brought widespread famine and misfortune to the land-locked West African country of Niger. It is ranked among the bottom of the list of countries in the human development index and per capita income. Niger’s population has reached 18 million and growing at four per … Continue reading "Mobile Money and the aspiration of entering a modern world"

More Blogs

Come listen to our colleague @SukhArora7 during your morning coffee/afternoon tea tomorrow as he talks about @SavingsFrontier, sparking innovation among FSPs and how savings can impact people’s well-being. @CGAP https://t.co/DThugfrhH8

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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

© 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.

© 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.

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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  • Click to see a complete list of PHB blogs
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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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Contact Us


Email : belgium@phbdevelopment.com

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