← Resource Mobilization Strategies and Frameworks

Segment strategies and digital mobilization

Module 04 / 5 · 65 min

Design strategies for diaspora, institutional, MSME and unbanked rural customers, and use agents, mobile money links, Fayda eKYC and customer data to grow cheap, stable deposits.

In this module you will learn to

Design deposit strategies for diaspora, institutional and government, MSME and rural customers
Weigh the cost, size and stability of institutional deposits against their concentration risk
Evaluate agent banking and mobile money partnerships as mobilization channels
Use Fayda eKYC and customer data to design digital savings products and targeted campaigns

Built on

Erudite Africa training module: Ethiopian Context, topic 1.b Resource Mobilization Strategies and Frameworks, Levels 1 and 2 (October 2026)
NBE Directive NBE/INT/13/2026 and the NBE Monetary Policy Committee release No. 7 (13 July 2026)
NBE directives SBB/72/2019, SBB/94/2025, SBB/95/2025, FXD/01/2024 and FXD/04/2026, and National Bank of Ethiopia Proclamation No. 1359/2025, as cited in the lessons
NBE Risk Management Guidelines (May 2010)
Erudite Africa Domestic Banking Operations course notes on deposit products and account maintenance (2026)
National Financial Inclusion Strategy II (2021 to 2025) and the NFIS-III refresh

Examples and companies are fictional. Bank practices are shown as typical Ethiopian practice, not as any one bank's policy. Always apply your own institution's approved policy and the current NBE directives.