Using the Base of the Pyramid Strategy as Lens for Cross-sector Collaboration in Financial Inclusion: Case of e-Masary for Mobile Financial Services

Mobile Financial service is one of the cutting edge movements to bank the unbanked by integrating donor and enterprise market approaches for financial inclusion. In this paper, we address how to integrate Donors-Led Value Chain and Enterprises-Led Value Chain to get a sustainable impact on the unbanked micro-entrepreneurs. However, each has advantages and disadvantages as they go along the stages of design, implementation, and sustainability. Using the BoP perspective, we argue that the Bottom of the Pyramid Value Chain mixes up the relatively high start up capabilities of Donor-Led Value Chain with the relatively wider impact of Enterprise-Led Value Chain. Further, it enables both donors and enterprises to develop a reconciled balanced scorecard to collect relevant and up-to-date information about economic returns, social benefits and local impact. Such integration guarantees flexible long term investments and help innovating new services.