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
A holistic approach to digital transformation.
Technology alone does not transform organizations. People, processes, data and leadership do.
Diagnose
The institution's digital, data and organisational maturity is assessed through self-assessments and structured leadership conversations that establish the baseline.
Co-design
The Learning Journey is built around the institution's specific pain point. Tailored and co-owned from day one — not imposed from outside.
Build
Hands-on technical assistance anchored in the institution's context: credit scorecards, dashboards, AI tools, data workflows.
Embed
Peer learning, leadership accountability and behavioural design ensure digital capability translates into lasting organisational practice.
Each Learning Journey follows the same process. No two are the same.
Key principles
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.
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.