Projects
Making financial markets work healthily for the poor
April 2016
Porteous, David & Julie Zollmann. Making financial markets work healthily for the poor. Enterprise Development and Microfinance, Vol 27, Issue 1. April 2016.
Market-Led Expansion through Fee-for-Service Agents
2010
Zollmann, Julie & Guy Vanmeenen. Market-Led Expansion through Fee-for-Service Agents in Financial Promise for the Poor eds. Kim Wilson, Malcolm Harper, and Matthew Griffith. Kumarian Press: 2010.
Reports & Essays
February 2019
Finance & Fortune:
The role financial services did – and didn’t – play in the life trajectories of Financial Diaries households
November 2016
Small “b” biashara: Self-Employment and economic advancement in Financial Diaries Households
October 2016
A Buck Short: What Financial Diaries Tell Us About Building Financial Services That Matter to Low-Income Women
October 2016
Trickling down & climbing up: Economic trajectories of Financial Diaries households two years on
October 2016
Struggling to thrive: How Kenya’s low-income families (try to) pay for healthcare
March 2016
Two steps back: How low income Kenyans think about and experience risk in their pursuit of prosperity
March 2015
Kenya Financial Diaries: Shilingi kwa shilingi, the financial lives of the poor
August 2014
Cashlite report: Are we there yet? Rethinking the evolution of electronic payments in Kenya
January 2015
Rwanda Financial Diaries: Understanding the Financial Lives and Product Needs of Rwanda’s Underserved Consumers
March 2013
Financial Management Among Brazil’s Low Income Classes: Comprehensive, Diversified, Engaged
2012
Blog Posts
"Uber and Taxify in Africa: Good Work or a Race to the Bottom?" by Julie Zollmann and Amolo Ng'weno
November 6, 2018
“Battery Hacking” by Julie Zollmann. Medium.
January 23, 2018
“How Can Pay-as-You-Go Solar Work for Poor People?” by Daniel Waldron & Julie Zollmann. CGAP.
November 28, 2017
“Keeping the Lights On: Repayment Challenges in PAYGo Solar” by Daniel Waldron & Julie Zollmann. CGAP.
November 7, 2017
“Flexible Finance: What Can We Learn from PAYGo Lenders?” by Daniel Waldron & Julie Zollmann. CGAP.
October 19, 2017
“Stuff Matters: Rethinking Value in Asset Finance” by Julie Zollmann. CGAP.
September 5, 2017
“It takes a village: Lessons from digitizing social school fees payments” by Amolo Ngweno and Julie Zollmann. FSD Kenya.
March 20, 2017
“Trust—Is there an app for that?” by Julie Zollmann. FSD Kenya.
March 3, 2017
“Access to financial services has transformed Kenya. But there is still work to do” by Julie Zollmann and Paul Gubbins. World Economic Forum.
January 30, 2017
“Six secrets of the self-employed” by Julie Zollmann and Paul Gubbins. FSD Kenya.
October 31, 2016
“Where are they now?” By Julie Zollmann and Paul Gubbins. FSD Kenya.
October 24, 2016
“Fixing Finance for Women” by Julie Zollmann. Medium.
September 22, 2016
“A Tale of Two Markets” by Julie Zollmann. CGAP
September 1 2016
“Beyond ‘Africa Rising’ – The Emergence of the Not-Quite-Middle Class” by Julie Zollmann. Next Billion.
August 22, 2016
“Why M-Shwari Works” by Julie Zollmann. CGAP.
April 8, 2015
“It’s a Small World, After All?: Financial Diaries research reveals that the financial lives of low-income families in Kenya and the U.S. aren’t so different” by Paul Gubbins and Julie Zollmann. Next Billion.
April 6, 2015
“When Saving for Tomorrow Necessitates Borrowing for Today” by Julie Zollmann. CGAP.
August 28, 2014
“The Kenya Financial Diaries: 4 Flaws in the Social Network” by Julie Zollmann. CGAP.
August 27, 2014
“New Rwanda Diaries Ask, ‘Can We Build A Better Goat?’” by Mark Pickens and Julie Zollmann. CGAP.
April 10, 2013
“What Is Keeping Kenya From Becoming More ‘Cash Lite’?” by Daryl Collins, Julie Zollmann, and Peter Fleming. CGAP.
November 29, 2012
“Is M-PESA Replacing Cash in Kenya?” By Daryl Collins, Julie Zollmann, and Peter Fleming. CGAP.
November 14, 2012
“Financial Safety: In the Eyes of the User and Regulator” by Daryl Collins & Julie Zollmann. CGAP.
October 13, 2011