Over 80% of Cambodians don’t have access to banks or regular financial institutions, making financial awareness a struggle for many of the 480,000 micro-business owners living and working in a cash-only economy.

Good Return’s mission to help end extreme poverty by 2030 means it’s vital to scale across South-East Asia and Pacific quickly and efficiently. With smartphone adoption rapidly growing in the region, creating a smartphone app and other digital capabilities can help them reach many more entrepreneurs, their family and communities faster and cheaper than traditional analogue forms.

Good Return asked Accenture to create a digital tool that would empower low-income Cambodians to become more aware of their personal and business money flows so they can make more informed and mindful decisions about their money, increase microfinancing opportunities – a crucial factor in making responsible investments toward business growth and improved living conditions.

"Accenture has helped us to innovate the way that we work and take our thinking to a higher level."

– SHANE NICHOLS, Good Return Chief Executive Officer

Strategy and solution

Accenture researched, designed and developed a custom smartphone app. My Money Tracker makes recording and tracking income, expenses, debt and credit easy and intuitive for people that primarily live and work in a cash economy.

Designed in both Cambodian Khmer and English, My Money Tracker is the first money tracking Android app designed specifically for Cambodians. Informed by a deep understanding of Cambodian micro-business owners’ needs and situations, the app helps keep track of their money habits within their daily routines.

Record and track daily cash flow

Record money earned and spent using categories and notes, helping you keep track of your money every day.

Understand profit and loss

Get automatically calculated profit and loss summaries of your day, giving insight into business performance and tracking behaviours.

Track credit and debt

Record and track money owed to you and you owe to others, helping manage cash flow and keep on top of repayments.

View daily and monthly history

View and filter your history to understand your progress over time to help make more informed decisions for the future.

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The app is currently in Beta testing with group of users, where we’re tracking adoption and engagement metrics, as well as indicators of human impact using analytics, interviews and surveys at key moments before, during and after the beta phase.

Using the Beta research insights, the team will iterate My Money Tracker to improve functionality and usability before releasing the app publicly on Google Play Store, where the team will measure the true impact at scale.

Human impact drivers (desired outcomes)

  • Educates - Increase knowledge of financial situation and habits
  • Builds confidence - Increase confidence to plan for financial opportunities and mitigate risks
  • Makes/saves money - Increase monetary savings or income due to financial behaviour changes
  • Organises - Reduce time and effort tracking money
  • Motivates - Increase occurrence of money tracking activities

Business impact drivers (desired outcomes)

  • Creates new partnerships - Increases number of microfinance and education partnerships for Good Return
  • Streamlines processes - Reduces cost of training and minimises time to market
  • Scales user acquisition - Increase number of micro-businesses using My Money Tracker

Good Return's My Money Tracker - Meet Ramy

Good Return's My Money Tracker - How we did it

"It helps us a lot, this Money Tracker Mobile app, we can use immediately."

– RAMY, Recipient of the Money Tracker

"Accenture has a strong focus on social innovation, not just in areas of poverty, but across inclusion and diversity. We're very proud of that."

– WAYNE PHELAN, Accenture Innovator

Meet our innovators

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