We at Opportunity Bank Uganda have worked with PHB Consultants in coming up with our digital financial services strategy. They engaged in research and are currently testing research findings on agency banking and new products. PHB are hands-on and always focus on the “customer-journey” in testing innovations. They are professional and courteous and have a wealth of experience to add value to financial institutions and mass market organisations they work with. We would recommend them to any prospective acquirers of their service.