FINANCIAL SECTOR ANALYSIS: Identifying Gaps, Defining Opportunities

Financial sectors in emerging markets are in various states of development, leaving gaps in service provision that represent potential business opportunities for providers. ACCESS uses an Ansoff matrix approach to support its partners to identify opportunities in current or new markets and whether to fill the market gap with existing or new products and delivery channels.


  • Market scoping and sizing
  • Supply and demand studies
  • Competitor analysis
  • Financial institution due diligence


In increasingly saturated markets, economies of scope matter as much as economies of scale. ACCESS works with its partners to maximize their service products and channels in response to changing market conditions and to take advantage of emerging business opportunities.


  • Lender Guidelines to Address Over-Indebtedness in Cambodia: FMO, BIO, INCOFIN, ADA, and PROPARCO via Cambodia Microfinance Association (CMA), 2016-20.
  • Establishment of a Microfinance Wholesale Lending Facility in Vietnam: Asian Development Bank, 2019-20.
  • Development of a Corporate Plan for the Centre for Excellence in Financial Inclusion (CEFI) in Papua New Guinea: Center for Financial Inclusion, 2019.
  • Evaluating and Building the Development Strategy for Credit Support Fund–Vietnam Women’s Union (2017–2022): Credit Support Fund, 2016-17.
  • Building an Inclusive and Balanced Financial Sector: Lessons from Microfinance Development in Cambodia (full length book): National Bank of Cambodia, 2015-17.
  • Needs Assessment on Microfinance Sector in Albania for Assisting its Development: Japan International Cooperation Agency, 2016.
  • Restructuring of Apex & Impact on Local Microfinance Market in Pakistan: World Bank, 2013-2014.
  • Market research for a non-sovereign microfinance investment fund: Asian Development Bank, 2011-2012.
  • Asia Invest: European Union, 2007-2008.