The MAP Global Insights series attempt to consolidate and synthesise the learnings from MAP across the MAP pilot countries. The first of the MAP Global Insights products comprises five thematic cross-country notes, based on the initial round of findings from the country diagnostic studies, which have been conducted in Thailand, Myanmar, Swaziland, Mozambique, Lesotho and Malawi.

NOTE 1 unpacks the target market segmentation approach that is central to the MAP methodology of putting the client at the core of the analysis. Note 1 provides a window into the emerging cross-country segments, and the implications for donors, policymakers and providers in this regard.

NOTE 2 takes a closer look at why consumers need access to a full portfolio of financial services, how access can be measured, and the policy implications of moving away from a linear, one-dimensional view of inclusion.

NOTE 3 considers the cross-country evidence on the gap between access and usage of transactional bank accounts, and why the majority are not used. It concludes with arguing the need for a paradigm shift in the focus of financial inclusion, away from cost and scale to value.

NOTE 4 looks at the role of locally delivered financial services compared to remote financial services, why the majority of adults still rely on financial services that are locally delivered, and the implications for providers and policymakers in terms of learning from, replicating or leveraging the value offered by these existing services.

NOTE 5 describes the different experiences of mobile money across the six MAP pilot countries, and discusses some of the key drivers of these differences, specifically in terms of the relationship between mobile money and cash infrastructure. It concludes with a discussion of the possible implications for policymakers and regulators with regard to the changing financial services environment.

NOTE 6 draws together the findings from this Global Insights series. It shows that the MAP evidence calls for a rethink of conventional financial inclusion assumptions, based on a consumer decision-making framework that emphasises economic incentives, cost and value.