Pragmatic Providers

present-minded, self-reliant, resilient
19% of adult population  |  24.5 million people

Modest Upholders

aspiring, deliberate, scrupulous
41% of adult population  |  52.8 million people

Communal Elites

Careful Hustlers

trusting, open-minded, wealth

21% of adult population  |  27.1 million people

self-confident, disciplined, investment-minded

19% of adult population  |  24.4 million people

 The Human Account is led, created and developed by Dalberg with Rockefeller Philanthropy Advisors, and funded by the Bill & Melinda Gates Foundation.


Local partners are Lagos Business School in Nigeria, Ashoka University in India, not-for-profit development finance company, Karandaaz in Pakistan, and research and advisory firm, Busara Center for Behavioral Economics in Kenya.