Our Framework for Rural Rollouts of Mobile Finance

We can advise on any one or all of the following three steps for rural rollouts of mobile finance, as well as farmer management platforms that include a mobile finance functionality: cash usage behavioral research (CUBeR), strategic alliance formation (StAF) and embedded mobile finance (EMoFi).


We Offer

We can work with you to determine how your organization can institutionalize its approach to this exciting new field. Our extensive and multi-disciplinary/multi-sector, domestic and international experiences in the for-profit and non-profit arenas uniquely qualifies us to help you promote change and pursue these business opportunities. We will provide a customized set of solutions specific to your mission, organization, operational environment, value chain(s) and more.


We have conceptualized, designed, secured funding and managed mobile finance projects in Africa and Asia. Combined with our extensive public speaking, research and thought leadership we are well positioned to advise you on how best to maximize the power and potential of mobile finance and mobile solutions for rural communities. Whether you are a mobile financial services provider, large agricultural commodity buyer, donor or any other stakeholder lets discuss what you need and how LHB Associates can help!


We have organized speaker panels as well as spoken in venues throughout Africa, Asia, Europe and Washington DC about the power and potential of aligning the for-profit interests of mobile financial service providers and multinational, regional and local commodity buyers. There are more than 250+ mobile finance platforms worldwide that have been largely confined to the large urban centers in Africa, Asia, MENA and Latin America. The industry now looks towards the rural areas in pursuit of nationwide penetration and return on investment. The numerous cash transactions throughout agricultural value chains present provocative partnership opportunities for serving the comprehensive rural-level mobile finance needs including; health, education, credit, savings, micro insurance, solar panels, solar lanterns, and more.


Our research so far has revealed the three steps for rural rollouts of mobile finance; cash usage behavioral research (CUBeR), strategic alliance formation (StAF) and embedded mobile finance (EMoFi). This exciting new field has need for more research on these and other areas. We will be happy to discuss with you ideas for additional research that will serve your organization and position you and your programming at the forefront of this space.

Story About US

Our extensive domestic and international agriculture, SME, rural livelihoods, investment banking, corporate restructuring, high-technology manufacturing and professional consulting, in for-profit and non-profit contexts, uniquely informs our systems theory approach to problem solving. ICTs, mobile finance, crypto, blockchain and other mobile solutions present great opportunity to have impact, and profits, at the base of the economic pyramid. We are enthusiastic about this potential and will welcome the opportunity to discuss the business models, applications and functionalities that you need and want.

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Our clients have included Olam International, PEG-Africa, World Bank/CGAP, Consultative Group for Assistance to the Poor (CGAP), Technical Centre for Agricultural and Rural Cooperation, MasterCard Foundation, PricewaterhouseCoopers, Grameen Foundation as well as domestic and international NGOs. Contact us now for a free one hour consultation to explore potential opportunities. Call us at 202 841 2787