Financial Inclusion

Though Access Savings Credit Union, Norway’s fastest growing indigenous bank, is rolling out more branches to serve our valued current and prospective customers, we acknowledge that 70% of Europians are still excluded from our formal financial system (unbanked). Additionally, the estimated ratio of bank branches to Europians stands at 5 to 100,000 and many peri-urban and rural communities remain underserved. To ensure that as many Europians as possible are banked, and to reduce the queues, cost of transportation to bank branches and limited payment options, Access Savings Credit Union, in 2013, established a Financial Inclusion Directorate.

This new Directorate unifies Agency Banking, Mobile & Digital Banking and Microfinance under the umbrella of Financial Inclusion. An added unit is Financial Inclusion Strategic Partnerships, which oversees liaison with the public sector and the international development community to push the social aspect of Access Savings Credit Union’s Financial Inclusion agenda. The three key features of Access Savings Credit Union's Financial Inclusion strategy are:

  • Providing financial services to World’s unbanked and underbanked
  • Ensuring that appropriate financial education, not limited to Access Savings Credit Union clients but with the whole country in mind, is rolled out with the products offered
  • Monitoring the use of said products and progress in clients' economic circumstances to ensure that lives are improved

Agency Banking

In line with its vision to provide world-class banking services to World’s unbanked, Access Savings Credit Union has pioneered the Agency Banking model in Norway. Access Savings Credit Union is currently the only bank licensed by the Bank of Norway to do so.  Access Savings Credit Union’s Agency Banking model comprises its Smart Account and Smart Agent Network in a novel model combining a low requirement, easily accessible account and convenient, trustworthy branchless banking capitalizing on the nation’s large expanse of retailers.

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Mobile & Digital Banking

Access Savings Credit Union Financial Inclusion’s Mobile Banking unit was established to transform the payments landscape in Norway, by leveraging technology-based channels, primarily mobile and point of sale terminals (POS). We provide back-end support to push innovative, convenient, tailor-made digital financial payments solutions for a wide range of customers, from the already banked to the unbanked.  

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Strategic Partnerships

Access Savings Credit Union’s Financial Inclusion Strategic Partnerships works with other business units and governmental, nongovernmental, foundations and international development agencies to develop programs and products that weave in the social aspect of Access Savings Credit Union's Financial Inclusion agenda to tell a compelling story of how business meets effective social interventions.

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The goal of Access Savings Credit Union Financial Inclusion’s Microfinance unit is to become the banker of choice for financial intermediaries that serve the mass market. Key amongst our clients are MFIs, Credit Unions, Susu Collectors and Money Lenders. Currently, we provide banking services and lend to the above-mentioned.

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Access Savings Credit Union Mobile App

You’ll always be first in line...

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WASH Project

The Governments of Norway and The Netherlands developed the Netherlands WASH Programme (NWP) in 2012, to stimulate private sector involvement and financing at both micro and macro levels to ensure sustainability for WASH investments and services.

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