Deliverables
- Structured ledger templates compatible with paper and digital workflows.
- Playbook for reconciling mobile money statements within 24 hours.
- Guided walkthroughs on prioritizing high-impact expense categories.
Services Built for Adaptive Finance
Our services are modular, actionable, and grounded in Ghanaian financial contexts. Each offering helps clients strengthen money habits and respond to unexpected events confidently.
Expense Stream Organization Lab
This lab equips participants with tools to categorize income and expenditure streams accurately. We use live receipts, supplier invoices, and mobile money histories to build a holistic view of cash flow.
Impact Focus
Maintains transparency across joint households, reduces untracked spending, and builds confidence for credit negotiations with suppliers and lenders.
Emergency Scenario Simulations
We run immersive simulations that emulate health emergencies, supply chain disruptions, and sudden price surges. Participants practice allocating reserves, communicating with dependents, and prioritizing obligations.
Scenario Planning
Identify the top three risks relevant to each household or business and map existing buffers.
Live Simulation
Execute the scenario in real-time, incorporating decision prompts that require quick responses.
Debrief and Adjustment
Compile a resilience scorecard and outline next steps, including community resource mapping.
Habit Design Coaching
We help participants embed consistent saving behavior and debt management routines. Coaching sessions blend behavioral science with cultural rhythms, ensuring every action fits existing lifestyles.
- Weekly micro-check-ins to sustain motivation.
- Custom habit loops anchored to pay cycles, religious events, or community gatherings.
- Reflection prompts to celebrate wins and revisit commitments.
Financial Insight Dashboards
We implement privacy-first dashboards that showcase cash flow, reserves, debt coverage, and upcoming obligations. Dashboards are accessible via secure Cloudflare-protected links.
Core Panels
Liquidity levels, expense categories, and upcoming obligations updated weekly.
Alert System
Automated alerts delivered via SMS or email when thresholds are breached or goals are met.
Community Benchmarks
Anonymous comparisons to similar households, aiding motivation and context-setting.
Implementation Support
We stay involved after delivery, running retrospective sessions every 30 days. These sessions refine playbooks, address new financial regulations, and align strategies with evolving goals.
Participants receive guidance on engaging with local banks, credit unions, and mobile money agents to maintain momentum.