Positioning flexible payments for higher adoption

Flexipay Payment System

Expertise Area

Finance for Life

Client Name

FSD Kenya



Flexipay is a blended financing concept, designed to help low-income families meet large financing needs, like school fees. Flexipay enables families to pool resources from their social networks transparently, pay their own bills in a flexible way, and (potentially) tap into advances for urgent payments that exceed liquid savings. This experiment was designed to test whether the concept could be an effective tool in helping families pay secondary school fees.

BFA helped to better position Flexipay to be adopted and scaled by one or more technology and payments service providers through a proof-of-concept stage, understanding actual demand from end consumers and service providers, clarifying the technical and service specifications and considering a preliminary business model for the roll-out of the product.

Photo credit: FSD Kenya

Explore Flexipay Payment System

Engaging social networks for school fees payments: Lessons from an experiment in Kenya


It takes a village: Lessons from digitizing social school fees payments


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Updated January 2019