1.7bn+
people reached through FInancial Inclusion products and channels, across 68 markets and more than two decades of delivery
About Us
We work to build the infrastructure that makes scale safe for use
For more than two decades, MSC (MicroSave Consulting) has moved from research to system embedding. We translate policy intent into operational infrastructure. As systems scale, the binding constraints are no longer reach, but trust, data quality, and governance.
We embed customer-centric safeguards across DPI layers, AI systems, and consent architectures. Our work pairs real-time risk detection through SupTech and RegTech with supervisory transformation and institutional change. Protection is no longer the deliverable; it is the outcome that infrastructure produces.
Trust
serves as the system outcome
Data quality
act as the new KPI's of inclusion
Governance
provides visibility upstream of harm
Eight built-in capabilities across three layers
Each tile is clickable, and every thematic area opens its own page of projects and tools.
Intuitive UI and UX design
Human-centered interfaces that reduce errors and build trust
Strong grievance resolution
Timely redress and accessible feedback mechanisms
Transparent communication
Information symmetry across pricing, terms, and process
Signature projects
These projects span four capability pillars that range from consumer-facing design to governance and accountability.
Development of a Digital Lending App (DLA) Registry Verification tool for consumer awareness
FACE engaged MSC (MicroSave Consulting) to design and pilot a technology-enabled consumer protection solution to address the growing risks posed...
ePaathshala: easy to access, quick to use digital training
MSC has developed ePaathshala —a digital school for skill development, capacity-building, training, and certification. ePaathshala makes use of innovative and...
Laying the groundwork for a digital regulatory future through MSC’s SupTech and RegTech study in the Pacific
In the face of evolving financial technologies and increasing demand for inclusive digital financial services (DFS), regulators in Pacific Island...
Scoping study to support the Bangladesh bank for a SMART Bangladesh
The Government of Bangladesh sought to realize its Smart Bangladesh Vision 2041, laid out an ambitious national agenda to transform...
Building LMI communities’ confidence in digital financial services: A behavioral science approach
The struggle to overcome digital hesitancy Subodh is a 44-year-old garment shop owner from rural Uttar Pradesh. He faces a...
Decoding India’s Digital Personal Data Protection Act
The Cambridge Analytica scandal of 2018 rocked the world and grabbed headlines as one of the most massive data privacy...
CGAP: Uganda; The role of mobile money providers and their agents in protecting customers data
MSC in partnership with CGAP conducted a research on the role of mobile money providers and their agents in protecting...
Toward a trusted digital nation: A multicountry analysis on data protection in Africa and Asia
MicroSave Consulting’s thought leadership report, “Towards a Trusted Digital Nation”, offers a multi-country analysis of data protection laws across 12 nations...
Frauds—the Achilles’ heel of AePS transactions?
AePS-related frauds account for 11% of 1.13 million cases and amount to INR 823.74 crore (USD 98 million). Anecdotal evidence...
UI/UX research for IPPB’s agent(GDS)
India Post Payments Bank (IPPB) is a financial inclusion focused differentiated bank in India. Housed under the Department of Post,...
Building trust through design: Eliminating dark patterns in digital financial services
This report shines a spotlight on sneaky interface tricks that quietly push users- especially those with limited income- into costly...
Key Publications
Two decades of research inform our work, from individual fraud typologies to embedded, system-level architecture.
Scammed by design: Why ordinary people fall for fraud and why awareness campaigns will not fix it
Financial fraud today is behaviorally engineered, psychologically manipulative, and increasingly, AI-enabled. Today, fraud exploits authority, urgency, fear, and victim shame...
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The operational machine: How financial fraud is industrialized, scripted, and monetized before protection systems can respond
Fraud in financial systems has evolved into an industrialized, tech-enabled supply chain. It includes specialized roles, scalable scripts, fraud-as-a-service tools,...
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Who is responsible? Closing the accountability gap in financial fraud prevention
Financial fraud persists because accountability is fragmented across banks, telecom providers, digital platforms, and regulators. This blog, last in a...
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Toward a trusted digital nation: A multicountry analysis on data protection in Africa and Asia
“Towards a Trusted Digital Nation” by MicroSave Consulting offers a comparative analysis of data protection laws across Asia and Africa,...
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Decoding India’s Digital Personal Data Protection Act
The Digital Personal Data Protection Act (DPDP) of India was published in the Official Gazette on 11th August 2023, after...
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Building trust through design: Eliminating dark patterns in digital financial services
MicroSave Consulting's "Building Trust through Design" highlights deceptive designs in digital finance that exploit vulnerable users. Why it matters: This...
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How we can tackle dark patterns in India’s digital economy
India’s digital boom hides a silent threat: dark patterns. These manipulative designs trick users into hidden fees, data grabs, and...
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Reimagining grievance and redress mechanisms to fix the weakest link for India’s financial consumers
As financial inclusion expands in India, this blog reflects on why grievance and redress mechanisms have emerged as a critical...
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How has IPPB improved financial inclusion in India through a differentiated banking approach?
India Post Payments Bank is one of the most successful payments banks in India. Its collaboration model has created a...
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Rewiring the system: Financial education as infrastructure, not isolated programs
This brief argues that financial education should be part of a broader financial capability infrastructure rather than a standalone solution....
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Design principles for effective digital financial capability
MSC’s (MicroSave Consulting) digital financial capability (DFC) framework presents five evidence-based design principles. These principles help governments, regulators, and financial...
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Digital financial capability—revealing teachable moments through phygital (physical + digital) channels
This blog sheds light on tailoring delivery channels to maximize the impact of digital financial capabilities (DFC) content. It introduces...
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OJK adds a suite of exciting tech solutions to address the 100,000+ consumer complaints and ensure stronger consumer protection in Indonesia
Otoritas Jasa Keuangan (OJK), Indonesia’s financial services authority, wants to explore novel approaches to supervise digital financial services. This blog...
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From data to SupTech: A phased approach for smarter regulatory transformation
This blog, the second in our two-part series, outlines MSC’s data maturity framework. It guides regulators from basic to advanced...
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SupTech starts with data: Building strong and flexible data foundations
This first blog in our new two-part series reveals that effective SupTech begins with robust data systems. It draws on...
Read moreTwo decades of evidence
Our work in responsible financial systems spans from diagnosing individual fraud typologies to shaping the infrastructure that governs them.
Stay ahead of financial risks
Digital financial capability resources will help you understand and manage the risks of digital finance, such as fraud, data misuse, over-indebtedness, and harmful design. Built as infrastructure, these resources will reach more than 300 million people through banks across India.
Spot the dark patterns
Learn to recognize manipulative design before it costs you
Financial literacy simulations
Play immersive games that build digital judgment safely
Become a SupTech champion
Test your ability to flag fraud and protect your rights
Stay alert to fraud
Access awareness tools on OTP scams, UPI fraud, and phishing
