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PUBLIC POLICY FOR THE PRIVATE SECTOR: The Leverage Ratio

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In collaboration with the Programme MicroSave Africa, Postbanks in Kenya and Tanzania designed and introduced flexible savings accounts with unrestricted withdrawals to accommodate small busi- ness people who want to transact regularly. However, the success of these products went beyond the original target group with many banks’ passbook owners shifting and subscribing. Over time the success of Bidii account and Domiciled Quick account also reached high value account holders Bidii Account and Quick Account are card based and computer operated. This has allowed cutting dramatically the service delivery time per client, hence improving the quality of the service and pro- viding a.

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