Problem:‍

Small business owners in low income settlements often lack financial products that fit their needs, while SACCOs serve users with low digital confidence within limited IT infrastructure. This creates a challenge we sought to solve by combining HCD and the 8Ps. HCD ensures solutions meet real user needs, while the 8Ps ensure they are viable and work in the market.

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Solution/Outcome:‍

We applied Human-Centered Design (HCD) alongside 8Ps principles. We captured user insights and facilitated co-creation of new digital financial products. Prototype testing provided iterative feedback into  the design of both productive credit and goal-based savings products.

This work produced actionable personas and segmentation insights that informed targeting, product development, service design, and go-to-market execution to deliver the new digital products to an expanded clientele base.