WORKING PAPER easy to scale. More specifically, it already offers key functionalities such as good IVR functionality at a cost- effective rate, ability to quickly build the features we need, and ease of use (important for the MFIs who will be managing the platform). We are working with engageSPARK to build the following add-on features specifically for the Phase 3 scale-up project: • Automation: Automatic scheduling of messages to participants along with automatic follow-ups if the participants do not pick up the call on the first try. • Content library: Storage of prerecorded messages on the platform itself that could be routinely updated. • A broadcasting summary dashboard: Real-time access to key data such as number of clients picking up calls, average length of the message listened to, etc. This will help MFI partners monitor the training on their own, and enhance their sense of ownership of the training. • Smart groups: Creation of client subgroups based on requested call times for easy call scheduling and sending of training messages. Introducing these features would further enhance the functionalities of the training technology platform and improve the ease of adoption of the Financial Heuristics mobile-phone-based training by MFIs around the world. Section 5: Conclusion The insights derived from the qualitative client-centric research have been formative in finalizing the Financial Heuristics training content and the technology platform structure for ideas42’s Phase 3 Financial Heuristics training product, which we will launch for microentrepreneurs in India and the Philippines in June 2016. In this section, we briefly outline the key next steps on completing the Financial Heuristics scale-up project with the support of a grant from USAID’s DIV program. 5.1. Key Insights from the “Clients at the Center” Research Our three major takeaways from the research are as follows: • Financial Heuristics is universally applicable. • Choosing the right audience matters. • How you deliver the message matters. These findings will be useful to a variety of stakeholders in the financial inclusion and financial capability fields. More specifically, the ideas42 team has used the insights derived from the client-centric research on microentrepreneurs’ business and financial management practices (in the Philippines) and the client experience with the Financial Heuristics business management Phase 2 training product (in India) to improve two major components of the Financial Heuristics training: the training orientation session and the content for the mobile phone-based training itself. (For more details on these design modifications, refer to Section 4.2.3.) In essence, the research conducted with the support of CGAP’s Research Fund helped ideas42 develop a viable and improved Financial Heuristics mobile-phone-based financial management training for microentrepreneurs. 5.1.1. Financial Heuristics Is Universally Applicable Using ideas42’s behavioral mapping methodology to conduct qualitative research on the financial and business management practices of microentrepreneurs, our team was able to ascertain that the 26