As a spin-off of the midterm evaluation of the Swedish financed Women in Financial Inclusion and Capabilities project implemented by Financial Sector Deepening Zambia undertaken in April - June 2019, Bente Consulting was hired as a "thought leader", i.e. process consultant to facilitate the drafting of a Concept Paper for a second phase of the WIN-project. This included participation in a pre-design workshop with partners from private and financial sector, government and civil society, as well as drafting of the paper. The second phase of the WIN-program is designed to contribute to systemic and lasting market systems change in the area of inclusive finance, with particular benefit to poor and vulnerable women through a market systems development approach. The Concept Paper was presented to the Embassy of Sweden in Lusaka for further appraisal in January 2020.