How can intangible products like financial services be prototyped? Last year, our researchers met Joyce, a local shopkeeper, in Luwero, Uganda and played a game with monopoly money to simulate how she allocates her family’s earnings into different spending categories such as food, medical bills, school fees, rent, transportation, and communications. Joyce spent on a few categories and then tucked some money into her bra. When asked why, she said that she needed to save a bit of the money, “just in case something happens.”

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