Michelle Kaffenberger

Michelle Kaffenberger is a senior research adviser consulting for the World Bank and CGAP. She has designed, led, and advised on dozens of quantitative, qualitative, and mixed methods empirical research studies on financial inclusion, social protection systems, and education. In addition, she is a research fellow with the RISE Programme at Oxford University, where she analyzes education systems, learning outcomes, and the impact of learning on health, women’s empowerment, and financial inclusion outcomes. Ms. Kaffenberger has served as research adviser and consultant to the Bill & Melinda Gates Foundation, the United Nations, the Asian Development Bank, and a variety of private sector and nonprofit organizations. Previously she was research manager and lead analyst at InterMedia, an international development research organization. She began her career establishing a new base of operations for an international nonprofit in Darjeeling, India.
 

By Michelle Kaffenberger

Blog

Rural vs Urban Mobile Money Use: Insights From Demand-Side Data

The second post in our series described the importance of demand-side data for understanding consumers and their financial habits and needs. Various organizations are contributing to the global pool of demand-side data in branchless banking and in this post we’ll focus on two of the main sources. The Financial Inclusion Tracking Surveys (FITS) are annual household panel surveys in Uganda, Tanzania, and Pakistan while the Tanzania Mobile Money Tracker Study (TMMT) uses quarterly surveys to track market trends. Both are being carried out by InterMedia and the Bill & Melinda Gates Foundation. In this post, we’ll highlight some of the analysis on rural and urban households to demonstrate the actionable insights that can be gathered from such datasets.