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CIFD combines cutting-edge research in behavioral economics and poverty with top-level expertise in product design and development to produce new innovative microfinance instruments that help the poor to better manage their money. Research as well as product design and development is pursued through independently operating but closely collaborating teams.
Research
The Research Team conducts randomized controlled field trials to study the psychological as well as contextual drivers of how low-income households manage their money. Its research designs are shaped by leading academic institutes such as Harvard University.
Design
The Design and Development Team applies the research findings to design and develop reliable and convenient money-management tools for the poor. It follows an industry-like product innovation process that is centered on close client collaboration during the entire design and development stage.
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