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The Human Account

The Human Account is a segmentation that provides rigorous data,

deep qualitative insights, and a holistic framework for understanding people’s financial lives.


It unlocks the stories of the globes’ most underserved customers and reveals opportunities for financial service providers to create better, more relevant products for these untapped markets. 

Created by


Dalberg is a global group working to build a more inclusive and sustainable world where all people, everywhere, can reach their fullest potential. We partner with and serve communities, governments, and companies throughout the world, providing an innovative mix of advisory, investment, research, analytics, and design services.

Rockefeller Philanthropy Advisors

At RPA, our mission is to help donors create thoughtful,

effective philanthropy throughout the world.

In collaboration with

Lagos Business School

LBS is a community of people committed to creating and transmitting management and business knowledge based on a Christian conception of the human person and of economic activity and relevant to Nigeria and Africa at large. We strive to be a world-class business school which will have a significant impact on the practice of management.


Karandaaz Pakistan promotes access to finance for micro, small and medium-sized businesses through a commercially directed investment platform, and financial inclusion for individuals by employing technology enabled solutions.

Ashoka University

Ashoka University is a pioneer in its focus on providing a liberal education at par with the best in the world. The aim at Ashoka is to help students become well-rounded individuals who can think critically about issues from multiple perspectives, communicate effectively and become leaders with a commitment to public service.

Busara Center for Behavioral Economics

A research and advisory firm dedicated to advancing

and applying behavioral science in the global south. 

Funded by

The Bill & Melinda Gates Foundation

Guided by the belief that every life has equal value, the Bill & Melinda Gates Foundation works to help all people lead healthy, productive lives.

In developing countries, it focuses on improving people’s health and giving them the chance to lift themselves out of hunger and extreme poverty. In the United States, it seeks to ensure that all people—especially those with the fewest resources—have access to the opportunities they need to succeed in school and life.

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