Our story

A customer-centric approach

PHB Development was established in 2006, and has since cemented its reputation in branchless banking and mobile financial services. With more than 100 projects under our belt, we are a leading provider of strategic research, advisory services, capacity building and monitoring & evaluation.

We work with mobile network operators, banks, microfinance institutions, payment providers, money transfer networks, technology suppliers, regulators and international development agencies to deliver innovative, high quality and low cost financial services and delivery channels.

© David Kleiman

Our Vision

A world in which all men and women can enhance their standard of living by having better access to financial services - facilitated by the use of technology.

© PHB Development

Our Mission

We support our clients to develop viable financial services and innovative delivery channels.

© PHB Development

Our Team

Our team of seasoned professionals have experience in a variety of complementary fields: digital financial services, remittances, agent networks, savings and loans products.

Our practices



PHB Development offers advisory services at all stages of the deployment of new products and delivery channels:



PHB Academy offers training and coaching on digital financial services and financial inclusion.

PHB Blogs

  • PHB at the European Microfinance Week 2017
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  • PHB Academy Embarks on new DFS Training Initiatives in Uganda
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  • Increasing use of Mobile Money in Low-income Areas
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  • Click to see a complete list of PHB blogs
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PHB News

  • PHB November News Brief
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  • Case Study: Long Road to Branchless Banking in Africa
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  • Toolkit # 5 Release
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  • Going digital, or stick to cash by PHB Consultant Páll Kvaran
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Contact Us


Email : belgium@phbdevelopment.com

To View Regional & Country Offices

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