Emerging Markets Digital Banking

emerging markets thrive

As consumer use of digital banking accelerates, emerging markets have become the hub of banking innovation and growth for digital business models.


BRICS FX Reserves


India's growth on an annual Basis in the first half of the fiscal year 2022-23


Africans will be % of all humans by end of century

Our Perspective

As the world goes beyond peak human and peak child, the emerging markets present all of population growth ahead of the world. As they do, the ability of financial service providers to understand the needs of these markets in terms of access to money around a telos of financial wellness will seperate the winners and losers.

Rapid Catch Up

Adoption of digital banking in emerging markets has caught up with that in developed markets.


The growth of  of digital banking adoption indicates that banks have an opportunity to leverage existing assets to strengthen and diversify their digital offering.

Competitive Levers

To compete against the incumbents, challengers need  to reinvent business and delivery models by focusing on weakening the value of branches and strengthening the value of customer engagement, and customer success.

Game Wins

Games as a % of mobile phone usage in emerging markets define the customer expectations of digital experience.

Interested in leveraging game as a design principle?

The global financial services market is undergoing an enormous change brought about by technology that is changing the expectations of customers in terms of how they want, expect and are being served. Lead by Google, Apple, Facebook, physical fitness platforms like Apple Health, Nike, Fitbit, Strava, Whoop and Garmin as well as mobile video game companies like GameSpot, Zynga and Farmville, customers expect everything to be available from their smartphones and for those services to be always on and be fun.

Without an understanding of basic financial concepts,
people are not well equipped to make decisions related to
financial management. People who are financially literate
have the ability to make informed financial choices regarding
saving, investing, borrowing, and more. 

By using game as the design principle, the right content can be provided at the right time, progress rewarded and success celebrated. Financial service providers that harness game can take customers on their money journey in a contextually relevant manner and win.

This is a staging environment