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The agent model – This model can be deployed in catchment areas with a population of around 6,000 people. Proximity is an important factor in savings mobilisation, and rolling out more proximate agent networks can deliver breakthrough in mobilising the savings of poor people in urban and peri-urban areas (of 2,000 households or more). These catchment areas are large enough to sustain an agent network in which people do not have to walk more than 2km to see their nearest agent. We used geospatial information systems (GIS) data to look at how much populations cluster together in which numbers that might make an agent outlet sustainable.

Rural access – Financial access in densely low populated areas depends on low-cost savings accounts at the end of the mobile money transfer business. Mobile payments reach a greater distance, as people will happily walk 5km to pick up or transfer money if it is of an amount equal to a week’s living costs. Partnerships with mobile network operators (MNOs) and village savings groups are therefore crucial to furthering financial access in rural areas.