These toolkits have been developed based on the experience gained from the MAP pilot programme, which consisted of the programme running in Côte d’Ivoire, Ethiopia, Democratic Republic of Congo, Laos, Lesotho, Malawi, Mozambique, Myanmar, Nepal, Swaziland, Thailand and Zimbabwe.
As explained in Toolkit 1 (the overview toolkit), the MAP in-country process comprises the roll-out of the diagnostic exercise, as well as a stakeholder engagement process. The stakeholder engagement process is started before the diagnostic exercise is initiated, is ongoing throughout the diagnostic process and then continues after the diagnostic is completed to translate the diagnostic recommendations into an actionable roadmap.The stakeholder engagement process shares the same values and commitments as the diagnostic.
Toolkit 3: Performing a MAP Diagnostic and Analysing Country Context
Toolkit 3 discusses conducting the MAP country context diagnostic. As set out in Toolkit 1, the overarching policy objective pursued through financial inclusion policies or strategies is: To provide a portfolio of financial services to the excluded and underserved segments of the population in order to improve their welfare, as well as to enhance financial intermediation and financial sector development.
Toolkit 4: Performing a MAP Diagnostic and Analysing Regulations, Policy and Supervision
Toolkit 4 discusses conducting the MAP regulatory diagnostic. It considers the policy and regulatory framework as relevant for financial inclusion in the country. As you are reminded at the start of each of the four toolkits that focus on the main areas of the diagnostic (context, regulation, demand side, and supply side), there is considerable overlap between the focus areas. In particular, for example, both regulation (this toolkit) and country context (see Toolkit 3) feature very strongly in the supply-side research (Toolkit 6), and thus there will be large overlaps with the supply-side data-gathering exercise covered in that toolkit. Similarly, the demand-side findings (Toolkit 5) are heavily influenced by both contextual and regulatory issues, and in turn feed into the supply-side research, and so on.
Toolkit 5: Performing a MAP Diagnostic and Analysing Demand Side
As set out in Toolkit 1, the overarching policy objective pursued through financial inclusion policies or strategies is: To provide a portfolio of financial services to the excluded and underserved segments of the population in order to improve their welfare, as well as to enhance financial intermediation and financial sector development. The demand-side diagnostic deals with the second component of the overarching policy objective: the excluded and underserved segments of the population.
Toolkit 6: Performing a MAP Diagnostic and Analysing Supply Side
Toolkit 6 sets out the components of the MAP supply- side diagnostic, with a focus on providers, products and distribution channels. As set out in Toolkit I, the overarching policy objective pursued through financial inclusion policies or strategies is: To provide a portfolio of financial services to the excluded and underserved segments of the population in order to improve their welfare, as well as to enhance financial intermediation and financial sector development.
Toolkit 7: Completing a MAP Diagnostic, Diagnostic Report, Recommendations and Roadmap
Toolkit 7 provides instructions for synthesising the diagnostic findings into a single, coherent report with recommendations for strengthening financial inclusion in the country. As Toolkits 1 and 2 explained, MAP does not stop with the completion of the diagnostic report. The findings and the recommendations of the diagnostic serve as the basis for a stakeholder roadmap and action plan to crystallise strategic actions and implement them. This toolkit thus concludes with an overview on how to use the diagnostic findings to develop a roadmap and what an indicative roadmap structure could look like.
A series of video interviews with the leading author of the MAP Global Insight Series, Hennie Bester, CENFRI. Hennie provides particular insights into the discoveries made through the MAP programme in six different countries and highlights a few findings the Global Insight Series Notes (Depth Sounding: Shifting measurement away from a one-dimensional view of financial inclusion; Lost in the mail: Why bank account access is not translating into usage; Homefield advantage: Learning from the popularity of local financial services providers; The King is (NOT) dead: Why digital payments are not replacing cash). For more information, please visit http://map.uncdf.org
Note 6 draws together the findings from this Global Insights series. It shows that the MAP evidence calls for a rethink of conventional financial inclusion assumptions, based on a consumer decision-making framework that emphasises economic incentives, cost and value.
Note 5 focuses on cash as a payment instrument to explore the largely undiminished popularity of cash. The different payment needs of consumers are introduced, analysed and compared with regard to the use of cash versus digital instruments.
Note 4 considers the cross-country evidence on the gap between ownership and usage of bank accounts. The note queries whether bank accounts are the appropriate product for increasing customer welfare, and argues the need for a paradigm shift away from focusing on ownership to a focus on usage.
NOTE 3 looks at the role of local financial services compared to remote financial services, and the implications for providers, policymakers and donors in terms of learning from, replicating or leveraging the value offered by these existing services.
NOTE 2 explores the shift in financial inclusion measurement away from focusing solely on access to more closely match the realities of how adults live their financial lives. It introduces a new measurement framework, which includes gauging depth of usage in financial inclusion, and explores the policy implications of moving away from a linear, one-dimensional view of financial inclusion.
￼NOTE 1 unpacks the target market segmentation approach that is central to the MAP methodology of putting the client at the core of the analysis. Note 1 provides a window into the emerging cross-country segments, and the implications for donors, policymakers and providers in this regard.