The Financial Landscape study aims to document the financial services available in a particular
area and how they are being used, including how client preferences have evolved over time. 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 a service.
The work here centers on 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.