Microfinance Opportunities (MFO) is a global non-profit committed to understanding the financial realities of low-income households and developing engaging and enabling consumer-focused solutions. Our consumer research work shapes the development of strategy and campaigns as well as the design and delivery of money management education to enhance the financial capabilities and enhance financial wellbeing of low-income consumers. We work with financial service providers, telco’s and other private sector organizations to connect product and service offerings to the realities of the unbanked or under-served, contributing to a brand of financial inclusion that is more than simply uptake but active use and retention..