In early 2020, Microsave Consulting conducted a study commissioned by DanChurchAid under the auspices of the Smart Communities Coalition. The assessment aimed to highlight the drivers, barriers and solutions to sustainable and at scale access to DFS by refugees and host communities in Kenya and Uganda. This study consolidates key findings from recent secondary research and is supplemented by customer insights including focused discussion group engagements with merchants, agents, users, as well as non-users and integrates information from supply side DFS ecosystem players.