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How can we ensure usage and adoption of digital finance for women in SHGs?…
How can we ensure usage and adoption of digital finance for women in SHGs?
Tech
What is the current access to tech?
How is mobile connectivity
Reliability
How is internet connectivity?
Reliability
What is the device?
smartphone
Apps installed
Current spending on data
apps allowed to use
featurephone
How is electricity?
ATMs/BC+POS
What are the current interactions with tech?
Social purposes
Per device interaction (all devices under access)
Livelihood purposes
Educational purposes
Household purposes
Financial purposes
What is the current ownership?
Cellphone + own
Cellphone + shared
Other owned (POS/MicroAtm)
Credit/Debit card
What are the failures for tech?
Connectivity
Per device & apps-based
Tech literacy
Language
Grievance redressal
Trust
Can't navigate
Cost
Data protection
Not allowed to use
Financial status of woman
Salaried
Non-working
Working, unpaid
Working, paid
Number of loans taken
Bank accounts
Attitude
Social groups
Decision making in the household
Perceptions of tech
Perceptions of banking
Aspirations for individual and livelihood
How do they solve problems?
Are they a go-to person?
Financial planning
Literacy
Budget planning
Livelihood Status
Income from all sources
Details of all sources (seasonality, cycles, process)
Expenditure patterns
Household
Payments (amounts, frequency, mode)
Emergencies
Re-finance debt
Consumption
Education
Health
Social spending
Asset building
Others
Schemes
Salary
Savings needs
Instruments
Frequency
Mode of payments - current
Mode of awareness
Unfulfilled savings
Saving for future needs
Human interaction for savings (voluntary/push)
Maternity
Old age
Credit
Which areas?
Loan details
How long did it take?
When did you not get it?
What was the process?
Enablers (trust/assisted/referral)
Last mile support (repayment/grievance)
Livelihood
Credit
Cycle of credit
Nature - Working capital/Asset/Infra/Cash Flow
Current sources
Unfulfilled credit
Failure of credit
Repayments
Payments
Awareness
Tech, Finance
Schemes
Mobile
Digital Financial Solutions
Household status
Dependents
Income
Assets
Education levels
Financial needs & interactions
Household Status
Behaviour
Tech interaction