eChange Consulting is a strategic management firm specializing in innovations in technology to scale financial services, transform value chains and reach rural populations. Through human-centered research, analysis, design, and implementation we have helped developed financial markets and financial inclusion across 20 countries in Africa, America, and Asia. We have created business strategies, developed business cases for technology investments, designed new products and services and built financial models for financial service providers, fintech companies, and technology firms. We provide a wealth of expertise in digital financial services including mobile banking, alternative channels, merchant/agent networks, automated credit scoring, remote customer onboarding and additional value added products and services.