Inclusive Finance Product & Channel Design
Design for usage and welfare, not account-opening statistics.
The executive challenge
The problem this program solves
The inclusive finance product agenda is stuck between two truths: the strategy deck says transform, and the income statement says the legacy book still pays the salaries. A mispriced inclusive finance product decision does not show up in one quarter; it shows up in your cost of funding for the next five years. You will stress-test your own institution in the IPAT Data Lab™ and leave with a inclusive finance product strategy that survives both a supervisor and a competitor.
Context
Why this matters now
Capability
What you will be able to do
- Diagnose where your institution creates — and destroys — value in inclusive finance product across the balance sheet.
- Present a inclusive finance product position to boards and supervisors with evidence they will accept.
- Read the economics of inclusive finance product like an operator: unit costs, network effects and risk-adjusted return.
- Sequence a inclusive finance product transformation agenda that a board will fund and a regulator will endorse.
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™
Deposits Leave at the Speed of a Rumour
A viral post questions a tier-two African bank’s solvency. The institution is sound, but its deposit base is concentrated and its app is the third-slowest in the market. By morning, the interbank line has tightened.
Your decision: Set the 72-hour posture — liquidity, communication and regulator engagement — with incomplete information about how far the run goes.
IPAT Data Lab™
The inclusive finance product unit economics at a tier-two African bank work in the business case and fail in the ledger.
Dataset: Synthetic product-level revenue, cost and capital data for a tier-two African bank.
Your task: Rebuild the unit economics, stress them against rate and funding shocks, and recommend what to scale or exit.
A stress-tested inclusive finance product economics model and a board-grade summary page.
Data → Analysis → Decision, not Data → Code → Certificate
Day 5 · The Capstone
What will you change when you return to work?
Produce a digital finance transformation strategy for your institution: where to play, what to own, which partnerships, and the regulatory posture required.
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.
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