Micro and Small Enterprises (MSEs) in Indonesia make up much of the nation’s economic and employment activity. MSEs constitute 98% of all businesses and provide 94% of employment. To explore the market potential of this ‘unbanked’ segment, Spire Research and Consulting conducted a study to evaluate potential demand for Mobile Money and Branchless Banking services (MM & BB). The findings of the study were published in a report released by TNP2K, a public-private coalition of Indonesian and international agencies working towards poverty reduction. Spire’s study was conducted across four provinces, namely Bali, South Sulawesi, West Java and South Sumatra. 400 survey interviews with MSE owners and 16 Focus group discussions were conducted in August and September 2013. The findings revealed that MSEs can potentially make use of a number of MM & BB services wherein neither the gender nor the province of the MSE owner would be a hindrance. This is due to the fact that women fo