Financial Inclusion and Inclusive Growth
Our global flagship.
The executive challenge
The problem this program solves
Financial inclusion in Africa has succeeded at opening accounts and stalled at creating value. Hundreds of millions of adults hold dormant accounts while the products that would change their economic lives — credit for working capital, insurance against shocks, savings that beat inflation — remain out of reach. Inclusion is no longer an access problem; it is an economics problem: which products, delivered through which channels, are sustainable for providers and transformative for users.
Context
Why this matters now
Capability
What you will be able to do
- Design inclusion products that are economically sustainable for providers and materially valuable for users.
- Engineer the cost structures, data and distribution partnerships that make small-balance finance work.
- Navigate the regulatory and consumer-protection dimensions of inclusive digital finance.
- Measure inclusion by outcomes — savings mobilised, shocks survived, businesses grown — not accounts opened.
The IPAT Course Standard
The five-day journey
Each day is a deliberate progression in managerial capability — from strategic context, to analytical frameworks, to applied practice, to executive judgement under pressure, to a capstone that produces something your organisation keeps.
IPAT Signature Case™
The Partnership With Two Ledgers
A pan-African insurer has signed a fintech partnership in financial inclusion: revenue is shared one way in the contract and recognised another way in the books, and the partner’s conduct is now a supervisory topic. Nobody has reconciled the two ledgers since launch.
Your decision: Renegotiate, ring-fence, or exit the financial inclusion partnership — before the supervisor reconciles them for you.
IPAT Data Lab™
A a mobile-money platform cannot see where its book is quietly deteriorating.
Dataset: Synthetic loan-book panel for a mobile-money platform: 80,000 facilities across segments with vintage and behaviour data.
Your task: Segment the portfolio, find concentration and deterioration, and design the repricing and workout response.
A portfolio decision pack presented to the faculty credit committee.
Data → Analysis → Decision, not Data → Code → Certificate
Day 5 · The Capstone
What will you change when you return to work?
Build an inclusive finance strategy for your institution or market: segment economics, product and channel architecture, partnership model and the measurement framework.
Methodology
Frameworks you will master
- • IPAT Decision Intelligence Framework™
- • IPAT Transformation Architecture™
- • Value-chain decomposition
- • Risk-adjusted performance measurement (RAROC)
- • Basel-aligned capital and liquidity concepts
Cohorts
Upcoming cohorts
New dates are being scheduled
Register with your preferred start date and our admissions team will match you to the next available cohort — or contact us to arrange an in-house delivery for your organisation.
Register your interestExplore further
Related programmes
Learners of Financial Inclusion and Inclusive Growth frequently pair it with these offerings from the same divisions.
Banking Transformation Academy
Competition, Open Banking, Digital Banking, Customer Analytics.
View programme FinanceEnterprise Risk and Resilience
Risk, Cyber, Climate, Operational, Strategic.
View programme FinanceTreasury, Forecasting and Financial Strategy
Advanced treasury and financial planning.
View programme
