In 2025, ConsumerCentriX moved from developing analytical frameworks to equipping partners with practical tools that help turn insight into implementation. Building on the research completed the previous year, we focused on dissemination and capacity building, ensuring that the knowledge generated through our work was translated into resources that financial service providers, policymakers, and development actors can apply directly.
The centrepieces of this effort were the WSME Segmentation Framework developed with support from the Argidius Foundation, Dutch Good Growth Fund, and Women Entrepreneurs Finance Initiative, as well as the INVEST: The Process and Toolkit (SME Banking Toolkit) developed in partnership with Dalberg, with support from the Argidius Foundation, and SME Finance Forum as an implementing partner.
The WSME Segmentation Framework and Toolkit offers a comprehensive methodology for understanding the diversity of women-led enterprises and designing products that respond to their specific needs. What began as an evidence-driven research initiative has become an actionable guide with practical steps for identifying segments, diagnosing growth constraints, and shaping gender-intentional value propositions. Throughout the year, we contributed to efforts to introduce the toolkit to practitioners in Africa, Asia, Europe, and North America through dissemination workshops that helped institutions move from theory to operational design.
In parallel, we supported the development of the INVEST: the Process and Toolkit. Structured around six drivers of SME banking success, INVEST helps institutions understand their SME markets and strengthen their value propositions with clarity and commercial focus. The toolkit served as a practical reference point for partners looking to improve how they assess the SME opportunity, refine customer targeting, and embed data-driven decision-making into their operations.
A key part of this effort involved sharing both resources through global learning platforms. This year, ConsumerCentriX contributed to the SME Finance Forum’s SME Banking Masterclass, where senior leaders from more than 200 financial institutions explored how stronger business models and better segmentation can drive SME portfolio performance. Using the INVEST Toolkit, our team demonstrated how SME data analytics support portfolio understanding and value proposition design. We also introduced the WSME Segmentation Framework and Toolkit to practitioners seeking more targeted and relevant approaches to serving women-led enterprises. These engagements helped embed both toolkits within wider industry practice and reinforced their role as practical guides for building more inclusive and commercially sound SME strategies.
Together, these tools continued to support a shift across partner institutions toward more structured, data-driven, and customer-centred approaches to inclusion. Interest in these tools reflected growing demand among financial institutions for practical resources that translate gender-smart insights into decision-making.