In the last year we've shared our work on applied product innovation (API) in Mexico, Brazil and Uganda. We've just embarked on our second round of projects, hoping to answer some remaining learning questions and eager to work with engaged partners that have a keen interest in using client-centric methodologies to improve financial services for the poor. In April, we returned to Africa to conduct a challenging and insight

Burials in Ghana are socially very important and tend to be large and expensive affairs, often putting a strain on household budgets—particularly among the poor. The insurance market has however been slow to develop and very few products exist to help mitigate these costs. In this gap, Tigo saw an opportunity to deepen customer loyalty by offering an insurance product as a value added service. The main challenge was that many prospective clients, being unfamiliar with the insurance concept, were