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    10009293-Development of inclusive financial services and products

    Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH

    10009293-Development of inclusive financial services and products

    1. Competition notice published

      Sep 17, 4:44 AMSeptember 17, 2026 4:44 AM

    2. Questions deadline

      Oct 12, 9:59 PMOctober 12, 2026 9:59 PM

    3. Tender submission deadline

      Oct 20, 10:00 AMOctober 20, 2026 10:00 AM

    4. Contract start date

      Jan 26, 12:00 AMJanuary 26, 2027 12:00 AM

    5. Tender validity period

      Apr 30, 10:00 AMApril 30, 2027 10:00 AM

    6. Contract end date

      Dec 31, 12:00 AMDecember 31, 2028 12:00 AM

    Brief

    Tender search/Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH/10009293-Development of inclusive financial services and products
    Brief

    Bedriftsrådgivning

    Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH needs services for the development of inclusive financial services and products in central and southern Iraq, as well as the Kurdistan Region. The project aims to bridge the gap between the Iraqi population and the financial system by working directly with three to five financial service providers (FSPs) such as commercial banks, microfinance institutions, digital payment providers, fintechs, and government lending schemes. The approach combines needs assessments, advisory services, staff training, product design support, and pilot testing. The goal is to implement at least three new or significantly adapted financial products that actively reach a minimum of 950 individuals and 50 companies, with a focus on women-led businesses. To qualify, suppliers must demonstrate at least 3 reference projects in the technical field of development or adaptation of digital financial services and/or FinTech offered by financial service providers, and at least 1 reference project in the technical field of development or adaptation of MSME or green financial services offered by financial service providers. At least 4 of these reference projects must have been in the Middle East and North Africa within the last 36 months, and each reference project must have a minimum commission value of 200,000 EUR (net). Additionally, suppliers must have an average annual turnover of at least 1,000,000 EUR (net) for the last three years.

    About the bid

      Iraq faces a persistent gap between its people and the financial system. Banks have long leaned on large state-owned institutions, credit has flowed mainly to established borrowers, and micro and small businesses along with women entrepreneurs and displaced communities have been largely left out. ProDIGI project, full name Promoting Employment in the Digital and Green Economy in Iraq, is trying to change that in a practical, grounded way. ProDIGI is a multi-donor initiative commissioned by the German Federal Ministry for Economic Cooperation and Development (BMZ), co-financed by the European Union, and implemented by the Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH. The project covers central and southern Iraq as well as the Kurdistan Region, with a focus on areas where joblessness, displacement, and limited access to services overlap. Within the project, Output 3 targets the financial inclusion side of the challenge. The starting point is a clear-eyed look at what the sector lacks: financial service providers that are capable, willing, and equipped to design products that fit the people they are supposed to serve. Banks and microfinance institutions in Iraq today mostly offer standardised products with high collateral requirements and limited digital capabilities. Reaching women led small businesses, rural communities, or young entrepreneurs running green or tech ventures requires a different kind of product, and often a different kind of institution. To bridge that gap, the project works directly with Iraqi financial service providers: banks, microfinance institutions, digital payment companies, fintechs, and government lending programmes. The approach combines needs assessments, hands-on advisory services, staff training, product design support, and pilot testing. The goal is not to deliver a finished product from outside, but to build the knowledge and process capacity within each institution so that change remains after the project ends. By the close of the assignment, at least three new or significantly adapted financial products must be in place, and these products must be actively reaching real users at a minimum of 950 individuals and 50 companies. The work also emphasises gender equality: women-led businesses are a priority target group, and all capacity-building activities must include a meaningful share of women participants. The broader context matters too. Iraq's Central Bank launched the national financial inclusion strategy that encourages digital payments, SME lending, and consumer protection improvements. ProDIGI project aligns directly with those priorities, making it both a practical intervention at the level of individual institutions and a contribution to the country's wider financial sector development. The selected firm will work directly with three to five financial service providers (FSPs) operating in Iraq. These may include commercial banks, microfinance institutions, digital payment providers, fintechs, and government lending schemes. GIZ will have pre-selected up to two FSPs before the contract starts, so work can begin without delay. The remaining FSPs will be selected by the contractor and GIZ jointly, based on agreed criteria.

      Contact phone
      +49 6196791481
      Contact email
      zuhal.uysal@giz.de
      Address
      Dag-Hammarskjöld-Weg 1 - 5, 65760 Eschborn

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    Award Criteria

      Found no award criteria in the contract notice.

    Qualification requirements

    • Description

      Leverandøren skal oppgi selskapsnavn, adresse, skatte-ID, registrerings- og handelsregisternummer eller tilsvarende register i henhold til lovbestemmelsene i opprinnelseslandet.

      Documentation Requirement

      Egenerklæring.

    • Description

      Leverandøren bekrefter at det ikke foreligger grunnlag for utelukkelse i henhold til § 123, § 124 GWB, § 22 LkSG, EU-Russland sanksjoner.

      Documentation Requirement

      Egenerklæring.

    • Description

      Leverandøren skal levere en erklæring om budkonsortium og/eller erklæring om underleverandører (hvis aktuelt).

      Documentation Requirement

      Egenerklæring.

    • Description

      Minst 3 referanseprosjekter innen teknisk feltutvikling eller tilpasning av digitale finansielle tjenester og/eller FinTech tilbudt av finansielle tjenesteleverandører, med en minimumsverdi på 200 000 EUR (netto) per prosjekt.

      Documentation Requirement

      Egenerklæring.

    • Description

      Minst 1 referanseprosjekt innen teknisk feltutvikling eller tilpasning av MSME eller grønne finansielle tjenester tilbudt av finansielle tjenesteleverandører, med en minimumsverdi på 200 000 EUR (netto) per prosjekt.

      Documentation Requirement

      Egenerklæring.

    • Description

      Minst 4 referanseprosjekter i Midtøsten og Nord-Afrika i løpet av de siste 36 månedene (frist: dato for kunngjøring av anbudsinvitasjon), med en minimumsverdi på 200 000 EUR (netto) per prosjekt.

      Documentation Requirement

      Egenerklæring.

    • Description

      Gjennomsnittlig årlig omsetning for de siste tre årene (det fjerde siste regnskapsåret kan inkluderes ved anbud som avholdes innen 6 måneder etter utgangen av siste regnskapsår) skal være minst 1 000 000 EUR (netto).

      Documentation Requirement

      Egenerklæring.

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    See the full notice

    Contracting authority
    Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH
    Title
    10009293-Development of inclusive financial services and products
    Type
    CompetitionPrequalification
    Main code
    79410000Business and management consultancy services
    Supplemental codes
    79411100Business development consultancy services79951000Seminar organisation services

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