Research for Global Development

FII Research Program

The FII Tracker Surveys

Tracker surveys are being conducted in each country once or twice annually, with the first surveys launching in September 2013 (except Pakistan, which will launch in October 2013, and Indonesia which will launch in early 2014). These nationally representative surveys of individuals will yield high-quality data tracking access and use trends, product/service awareness levels, and triggers and barriers to use.

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The surveys will be highly comparable and incorporate a range of standardized measurement indicators, as well as detailed demographic information for market segmentation and other practical analysis.

Survey topics covered in all eight FII countries:

  • Mobile Phone Access
  • Bank Account Access and Use
  • Mobile Money Access and Use
  • Product Awareness
  • Triggers/Barriers to Use
  • Mobile Money Activities (Transfers, Payments, Savings, etc.)
  • Mobile Money B2B Activities
  • Consumer Experience with Mobile Money Agents
  • Consumer Segmentation – Active/Lapsed/Non-Users
  • Prevalence and Potential for Digital G2P and D2P Payments

Survey topics covered in selected FII countries:

  • Assessing Consumer Need for Interoperability
  • Digital/Prepaid Card Use
  • Borrowing and Lending Habits
  • Over-the-Counter MM Use Trends
  • Trust in Financial Instruments

FII Consumer Experience Monitors

Understanding the agent experience – The FII research team will produce 360-degree profiles of mobile money agent-customer dynamics through a combination of in-depth interviews with agents, exit interviews with agents’ customers, and “mystery shopping” exercises, in which researchers pose as mobile money users or potential users, at agent outlets. This will provide valuable intelligence to network operators and regulators seeking to identify what works and what doesn’t at this critical point of service.

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Consumer voices – Informed by the Tracker Surveys, FII researchers will hold discussion groups with consumers from key demographics – rural, poor, female, etc. – to gain deeper knowledge about their financial habits, needs and priorities, and, better understand their perceptions and experiences with mobile and digital financial services.

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FII Deep-Dive Studies:

The FII team will “dig deep” on selected topics with customized research projects which will differ from country to country.  For example:

  1. Bangladesh – Digitizing payments in the garment sector – The FII team will provide research support for a feasibility study on the conversion of salary payments to the country’s many garment workers to a mobile-based system. InterMedia will conduct an innovative qualitative research project with garment sector workers to understand their cash management habits and how digitization of payments would fit with these habits.
  2. Nigeria –Leveraging Esusu savings groups on mobile/digital platforms – As in many countries, savers in Nigeria form groups (Esusus) to pool money that can be periodically distributed to a single member for major purchases or investments. The research project focuses on understanding Esusu dynamics and determining how mobile/digital financial tools can best complement this tradition.