Starting a business is not easy, especially when you don’t always have the right resources and tools to help you succeed. The Catalyst Fund Toolkits offer you tools across four main areas: AI readiness, trust creation, risk management and product/market fit. These tools are tailored to the needs of inclusive fintech startups that serve low-income customers in emerging markets.


AI Readiness

This toolkit helps you to:

    Assess whether your startup is ready to go AI and provides you with tailored recommendations on how to best apply and implement AI for your startup.

Trust Creation

This toolkit helps you to answer:

    What kind of framework can guide how startups design and build products and services to create trust with their customers?


This toolkit helps you figure out:

  1. How can entrepreneurs understand the major risks their business faces
  2. What mitigation strategies can startups apply to reduce their risk profile?

Product/Market Fit

This toolkit helps you get to PMF by letting you answer:

  1. What is the startup journey from Ideation to MVP to Growth?
  2. What frameworks to help teams focus, to design better value propositions, build MVPs, test, measure and learn?


BFA, a consulting firm specializing in developing financial services for low-income populations, provides hands-on advisory to startups through Catalyst Fund, a grant fund that offers seed capital, technical advice and direct mentorship by leading investors in this space. We have developed these tools to help entrepreneurs during their time at Catalyst Fund and beyond!

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Who are these toolkits for?

While these resources cater specifically to inclusive fintech startups working with customers, markets and ecosystems in emerging economies, other startups might find as much value in the way we are testing and building out startup ventures and organizations.

Firms exploring emerging markets could also learn a lot about the specific local contexts and low-income customer behavior through this toolkit.

Why did we create these Catalyst Fund toolkits?

Running and growing a startup is hard. Running and growing a startup in an emerging market is even harder. The Catalyst Fund toolkits are designed to help the management teams better understand: 

  • What their challenges are

  • How to sequence their tasks

  • How to assess and measure risk

Catalyst Fund Toolkits are brought to you by


I found the exercise very useful, especially for PayGo, and I’m going to build on it when I get back to my team.
— Nick Quintong, CEO of PayGo Energy

Catalyst Fund Partners