What is The Human Account?

 The underbanked are not a single customer group. To successfully grow financial services in emerging markets, we must deeply understand the nuanced and innovative financial behaviors, mindsets, social tools of individual customers.

The Human Account unlocks those stories at scale, revealing the contextual, behavioral, and psychological dimensions of financial lives in these markets.

This rich new dataset has the potential to shift how financial service providers target investments in emerging consumer markets, develop product and service offerings, as well as programs, policies, and regulations to better address the needs of the underserved.

The world we envision where...

New data and grounded analysis drive a textured, nuanced and differentiated understanding of consumers and systems in emerging economies.

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Offerings (strategies, products, messages, and channels) are tailored
to develop and seize untapped opportunities that are tailored to the needs
of underserved customers and make a lasting difference in their lives.