Digital transformation for inclusion.
Accelerating digital transformation, data-driven decision making, and AI adoption for greater inclusion.
Digital Transformation for Inclusion (DT4I) is an initiative funded by the Dutch Good Growth Fund (DGGF) that supports financial service providers on their digital transformation journey — enabling them to better reach and serve SMEs and underserved communities.
Why this matters
Millions of Small and Medium Enterprises (SMEs) remain underserved despite rapid advances in digital technology. Data, AI, and digital tools give financial institutions new opportunities to innovate, improve efficiency, and reach more businesses. DT4I was designed to address this — bringing together financial institutions and investors around a common goal.
Why financial institutions join DT4I
- Practical Transformation Projects — focused on your strategic priorities
- Access to proven Methodologies tested across multiple markets
- Expert Support: AI, Data, Digitalisation, SME Finance, Organisational Behaviour
- Self-Assessment Tools to benchmark and prioritise
- Impact Monitoring of transformation progress and outcomes
Why investors and funders support DT4I
- Customer-Centric Design — built with institutions, not for them
- End-to-End Delivery from problem identification to knowledge sharing
- Scalable methodology replicable across markets
- Capacity Building through skills transfer and ownership
- Knowledge Platform capturing lessons across regions
- Impact Measurement of adoption and inclusion outcomes
An end-to-end approach to digital transformation.
We measure success by what happens after we leave. That means combining technical expertise with behavioural design — so that change is built into the process rather than being an afterthought.
The Right Problem
We start from the institution's most pressing challenge: identifying the pain point where impact will be greatest and change is genuinely achievable, aligned with where the institution is trying to go.
Change From Within
Together we create the conditions for successful transformation, going beyond co-designing solutions and capacity building to shifting how people think, embedding new behaviours as the foundation for what comes next.
Anchored
By the end of the engagement, the institution fully owns the change. A new mindset, new tools, ways of working, and tested prototypes are integrated into how it operates and ready to carry forward.
Keep Going
Results don't mark the end — they create appetite. Data, insights, and a changed organisational mindset mean institutions continue to grow, reach further, and ask better questions of themselves.
Each engagement is unique and tailored. But no institution learns alone: peer exchange and cross-institutional benchmarks connect participating institutions to a wider picture of what works, and how impact compares across the sector.
Turn digital investments into measurable results
Digital transformation delivers visible business value: greater operational efficiency, sharper data-driven decisions, and deeper financial inclusion for underserved SMEs. DT4I helps FSPs define and track the right indicators for each digital initiative — from processing time and conversion rates to portfolio performance and uptake among women, youth, and other client segments.
Where digital creates measurable value
Digital investment changes two things: how an FSP operates, and who it's able to reach.
Operational improvements
- Reduce manual effort and processing time by digitising and automating workflows
- Make faster and more informed decisions with real-time data analytics
- Improve credit-scoring accuracy and consistency
- Use AI-driven analytics to flag and prioritise at-risk cases across the portfolio
Inclusion gains
- Reach customers in underserved and remote locations through digital channels
- Personalise products and outreach using segment-level behavioural data
- Understand where women, youth and other segments are gaining ground, and where gaps remain
Digital transformation, inclusive impact
The DT4I Impact Dashboard aggregates anonymised KPI results tracked throughout institutions' technical assistance journeys — showing operational outcomes, inclusion outcomes and peer benchmarks across markets. Explore real DT4I case studies with measurable operational and inclusion results.
Explore the dashboard and case studies
Transformation in action.
Using AI to improve credit collections
Improve repayment performance while reducing operational effort.
The institution achieved a 24% increase in collection rate.
Watch the case studyUse AI to improve call center sales conversion rate
Improve customer service quality and sales performance.
The institution achieved a 35% reduction in handling time.
Watch the case studyFrom data to targeted inclusion
How AdVision Finance partnered with a microfinance institution in the Middle East to turn client data into a segmentation model for reaching underserved women and youth entrepreneurs.
Segmentation made inclusion measurable — helping the institution track engagement and product uptake by segment, and design targeted solutions for underserved clients.
Read the case studyBuilding a customer 360° view to unlock cross-selling
How AdVision Finance partnered with an East European bank to leverage client data — improving client relationships and adding greater value across their customer base.
The bank sharpened its focus on inclusion — surfacing more relevant financial products for women- and youth-led businesses.
Read the case studyStart your transformation journey.
Assess where your organization stands today and receive instant insights and recommendations.
Digital Maturity Assessment
Evaluate your organization's maturity across leadership, innovation, technology, and SME service digitalization.
Data Maturity Assessment
Understand your organization's capability to collect, govern, analyze and activate data.
AI Readiness Assessment
Measure readiness across strategy, infrastructure, governance, skills and use case implementation.
Organizational Behaviour Assessment
Assess cultural and behavioural factors that influence transformation success.
Benchmark your organisation
Benchmark Digital, Data and AI maturity across Financial Service Providers and identify priority areas for investment.
Your responses are treated as confidential and processed in line with our Privacy and Data Protection Statement.
Learn from real transformation journeys.
What financial institutions say.
"DT4I provided expert technical knowledge diving into our loan repayment and credit scoring data and running statistical analyses to spot predictors of default. We've never had the technical skills to do this internally — based on the results we've now rolled out a new credit scoring methodology."
"The masterclasses really challenged me to think differently about how we communicate and nudge behaviour change, and we'll use many of the ideas and insights during the coming year."
Ready to accelerate your transformation?
Whether you are a financial institution, investor, or ecosystem partner, DT4I provides the tools, expertise and community to accelerate digital transformation for inclusion.
Expertise you can access from AdVision Finance via the DT4I program.
Contact us if you want to know more at adv@advisionfinance.nl
Get in touch
Whether you're a financial institution, investor, or ecosystem partner — we'd like to hear from you.