Can financial services be sold with minimum human contact? This report reviews Jipange KuSave (JKS), an innovative savings product delivered through the mobile channel in Kenya. The Consultative Group to Assist the Poor (CGAP) and the Financial Sector Deepening Trust Kenya (FSD Kenya) provided a total of USD 540,000 to Mobile Ventures Kenya Limited (MVK) in November 2009 to enable MVK to pilot JKS.

The report evaluates the hypothesis that financial services could be sold with little or no human contact. It also analyzes whether the project represented a good use of donor funding. The report states that JKS reflects the way in which microfinance transactions are likely to evolve globally. It recommends the introduction of a robust scoring system and a follow-on product for users of P3 who have reached their savings targets.