Branchless Banking and Rural Outreach in Malawi: Opportunity International Bank of Malawi‘s Impact on the Market

The study focuses on client access, with a broader and more inclusive view of this concept, defined as ability and propensity to make effective use of the service innovations of Opportunity International Bank of Malawi (OIBM), which received a grant in 2005 to pioneer a model of technology-driven, low-cost rural service delivery. The study draws together a variety of data to examine the value proposition of these service innovations against the area‘s other service options. This report is an endline study to a 2007 baseline (McGuinness, 2008), focused on changes between 2007 and 2010 that may correlate with the introduction of OIBM‘s innovations.