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Reaching Informal Savings Groups with Formal Financial Products: A Study’s Unexpected Findings Reveal the Challenges of Digitizing Transactions

James Militzer

Previously, in 2019-2020, we carried out the first round of an evaluation using the Qualitative Impact Assessment Protocol (QuIP) in these three SatF-supported countries. By digitizing these transactions, we expected that savings groups and their members would be able to lower transaction costs (e.g.,