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 Year in Review (2018) Animation

PHB Podcast: Voices of Inclusion


Voices of Inclusion- Episode 2

Katharina Braun of GIZ, speaking about the Digi#ances project which aims at bringing digital financial services to unbanked Jordanians and Syrian refugees in Jordan.

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PHB Blogs


Fingerprint accessible savings accounts – a first in Papua New Guinea from Women’s Microbank

Isa is among the first customers to use her thumb to open a bank account in Papua New Guinea.  Her local “Mama Bank”  recently opened in the Morata area of Port Moresby and she was excited to open her first savings account.When reminded to come in frequently to deposit her savings, she asked, “How late will you stay open today?  I […]

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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

  • Agriculture and displacement: PHB at UN Climate Conference
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  • PHB in digital adaptation to climate change
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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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