Programme | FinScope

FinScope Programmes

FinScope remains the most comprehensive demand side instrument of its kind, and has to date been conducted in over 30 countries. This places FinMark Trust in a unique position to support countries in SADC, West Africa, Asia and beyond, to understand their demand-side financial inclusion landscape.

An assessment in 2015 of the FinScope product concluded that one of FinScope’s key strength is its intensive local stakeholder engagement process, which ensures local relevance and buy in. The survey’s positioning as the benchmark survey that explores financial inclusion, attitudes, behaviour and demographics comprehensively and rigorously means that it is widely accepted in countries where it is implemented, and its stability and trend-ability over time mean that that stakeholders are keen to use it to track their progress over time.

FinScope is not immune to the changes in the data ecosystem and as such needed to evolve.The new FinScope Consumer and MSME survey has been improved in the following ways:

New Measurement Frameworks

The world is changing rapidity and our measurement frameworks need to be relevant to the changes in consumer expectations and needs. To this end, the DFM team are continuously developing new measurement frameworks. Some of our newer frameworks are listed below:

  • Usage: Increasingly the focus today is on the quality and impact of access, and a broadening of the understanding of the term ‘financial inclusion’. This new module addresses various aspects of product usage and utility of the product to the consumer.
  • Needs: The needs-based approach to financial inclusion measurement follows a client-centric model recognising that consumers choose financial products and services based on their underlying needs. These needs can be grouped into four (4) main categories: meeting goals, resiliency, liquidity, and transfer of value. The needs are measured through a number of discrete use cases.
  • Livelihoods: The Livelihood approach aims to derive recommendations that allows a household to enhance its assets and capabilities by being resilient through economic shocks over time. The approach involves the identification of household livelihood and assets, nature and impact of economic shocks that creates vulnerability of households. Coupled with the understanding of financial needs of households, the livelihood approach looks to generate policy interventions that uses financial services and relevant institutional processes to address areas of financial vulnerability that households will face over a period of time.
  • Informal sector focus: The FinScope Consumer Survey is unique in aiming specifically to increase understanding of the informal financial product/service market.
  • Our data can be disaggregated by livelihoods, youth, women, rural, poor and informal segments.
  • UN Sustainable Development Goals (SDG’s) Our data is now able to give insight into some of the SDG’s from a financial inclusion perspective.

FinScope Consumer & FinScope SMME provides data:

  • for official country Financial Inclusion statistics
  • that supports governments in the development and implementation of national financial policy frameworks and strategies
  • that helps support national governments by facilitating stakeholder driven financial inclusion programmes and supporting their implementation by conducting financial inclusion diagnostics,
  • developing country roadmaps and implementation activities
  • analysis that enables policy makers and financial service providers to better understand the financial needs and behaviours of the poor to enable the provision of suitable quality financial services
  • helps governments play a catalytic role to make financial markets accessible, sustainable and inclusive by promoting and supporting policy and institutional change in the financial sector and policy arena
  • that assist governments to monitor how they contribute to the Global Goals (SDG’s) adopted by the UN
  • that assists in holding the financial industry accountable for market development
  • that is disaggregated by province, sex, age etc. so as to address changing demographics
  • that helps connect FI to the real economy
  • to assist MSMEs to be more sustainable and create employment
  • that drives the development of the market for MSMEs

FinScope Consumer Survey Eswatini 2018 Pocket Guide

The Government of Eswatini recognises the role played by the financial sector in facilitating economic growth through enhanced access to financial services. In order to strengthen policies that will generate sustainable and inclusive growth and development, the Government of Eswatini through the Centre for Financial Inclusion (CFI) commissioned and implemented the 3rd Eswatini FinScope Survey […]

FinScope Consumer

Enquête FinScope auprès des consommateurs Haïti 2018: Pr...

Objectifs de FinScope Haiti 2018 Décrire les niveaux d’Inclusion Financière (c’est-à-dire les niveaux d’accès aux produits et services financiers – formels et informels) Décrire le niveau d’accès au services financiers (c.-à-d. le type de produits et services utilisés par des individus financièrement inclus) Identifier les catalyseurs et les obstacles à l’accès aux produits et services […]

FinScope Consumer

FinScope Consumer Survey Haiti 2018 Pocket Guide (French)

Le Gouvernement d’Haïti reconnaît le rôle joué par le secteur financier pour faciliter la croissance économique grâce à un meilleur accès aux services financiers. Afin de renforcer les politiques génératrices d’une croissance et d’un développement durable et inclusif, les parties prenantes et le gouvernement haïtien ont mis en oeuvre FinScope Haïti 2018 pour aider à […]

FinScope Consumer
SADC Consumer MAP

Top six insights on Gender from FinScope data across the SAD...

FinScope data analysis has revealed many insights on gender. The analysis shows high levels of exclusion for women in Southern African Development Community (SADC) with a recorded 35% of women excluded, compared with 30% for men. This reflected a gender gap of 5% compared to the global gender gap of 7%. Some of these gender […]


FinScope South Africa Consumer 2018 Results Factsheet

The FinScope South Africa 2018 Survey highlighted many issues pertinent to financial inclusion in South Africa. A key highlight for FinScope South Africa Consumer 2018 results highlight how South Africans are facing economic hardships with about 1 in every 5 adults borrowing to buy food. Another key highlight is how the study shows that the financial sector continues […]

FinScope Consumer

Financial Inclusion in SADC

The financial inclusion indicators are constructed from 14 SADC countries using findings of the FinScope Consumer surveys. This fact sheet contains an updated summary of the book named “An excluded society” and as such it provides key fact about financial inclusion in the SADC region.


FinScope Myanmar 2018 Launch Presentation

Myanmar has achieved significant strides through Government policy in supporting increasing access to financial services which is a major goal of the Myanmar Government as reflected in Article 3 of the Microfinance Law. The Government recognises the role played by the financial sector in driving economic growth through enhanced access to financial services. With the […]

FinScope Consumer

FinScope MSME Survey Eswatini 2017 Report

The Government of Eswatini has been working towards the development of the Micro, Small and Medium Enterprises (MSME) sector. This is clear from the SMME Policy (2009), Micro Finance policy, Financial Sector Development Implementation Plan, Financial Sector Development Strategy and National Financial Inclusion Strategy. This report is prepared to provide insight into the Eswatini MSME […]

FinScope MSME

FinScope Consumer Survey Cameroon 2017 Pocket Guide (French)

Making Access Possible (MAP) is a diagnostic and programmatic framework to support expanding access to financial services for individuals and micro and small businesses. The MAP methodology and process has been developed jointly by UNCDF, FinMark Trust (FMT) and Cenfri to foster inclusive financial sector growth. At country level, the core MAP partners collaborate with […]

FinScope Consumer
SADC Consumer MAP