Black Pearl is fully abreast of innovations in financial services. Our team has longstanding expertise addressing unequal access to finance, often grounded in socioeconomic and gender disparities. We have the skills to engage with mainstream financial systems, support adoption of innovative approaches, and design appropriate approaches to expand financial inclusion to underserved communities.
Inclusive Finance
Black Pearl consultants have served as trusted advisors at finance ministries, prudential regulators, and development agencies. We can provide actionable guidance on issues ranging from bank supervision, credit risk at financial institutions, implementation of blended finance models (both subsidy-based and zero-subsidy), fintech, and cryptocurrency.
Black Pearl’s expertise in the fintech space allows it to quickly evaluate financial service technologies and business models for potential adoption in demanding local environments. We place fintech firmly inside a market systems approach, focusing on financial innovations that can help MSMEs and underserved clients.
Finance for micro, small, and medium sized enterprises (MSMEs) is a longstanding focus for Black Pearl. Our work increases access to finance by integrating successful approaches, including innovative credit models supported by improved data and working with local partners and institutions representing marginalized communities.
Farm credit and agricultural insurance remain challenges among underserved communities. We develop innovative models, grounded in advances in data systems, and connect them with local partners to achieve buy-in and lay the groundwork for long-term adoption. These include crop and weather-based index insurance products combining satellite and ground-level data to reduce risk.
Black Pearl’s longstanding focus on addressing gender inequalities provides us with a framework to resolve gender imbalances in financial literacy, connections with financial institutions, and access to banking services and credit.