Richard Leslie Wright

In 2023, Richard set up as an independent consultant after 26 years as Unilever’s leading behavioral scientist. During his time with the multinational, he set up and led programs across the world, specializing in those that help consumers become more sustainable.  In 2015 he co-designed the £90M TRANSFORM collaboration with the UK Government and EY.  As part of the wider TRANSFORM program, Richard led a major workstream that created digital innovations in the  FMCG ‘general trade’ supply chain.

By Richard Leslie Wright


Empowering Small Giants: Inclusive Embedded Finance for Micro-retailers

Financial inclusion is becoming more feasible for many excluded and underserved micro-retailers, thanks to the emergence of new B2B e-commerce companies that are digitizing the final stage of the fast-moving consumer goods (FMCG) supply chain. This report outlines various business models that incorporate last-mile retailers into digital ordering platforms, offering them convenience, transparency, and a wide range of products.