While other countries have developed extensive agent networks, and complex partnerships to support DFS ecosystems - Lao PDR remains a greenfield and untouched environment for digital financial services. No agents, no services and no customers using DFS in the country of 6.8 million people.

This multimedia case study is intended to showcase the journey to develop branchless banking in an environment with no previous regulatory framework or tested business models.

Throughout the case study, the reader will encounter QR Codes and can scan the QR Code with their smart phone to view short videos that are relevant to that section. This gives an opportunity to hear directly from members of the central bank, the implementing bank and real customers and agents about their experience with this ground breaking branchless banking implementation.