Contributors
Thank you to all of these contributors who provided helpful input during our assessment process
ADDRESSING CUSTOMER NEEDS
Philip Brown
Citi Inclusive Finance
Brian Clancy
In the Nation's Interest
Gerhard Coetzee
CGAP
Daryl Collins
Bankable Frontier Associates
Seema Desai
GSMA
Innocent Ephraim
Financial Sector Deepening Trust
Alexandra Fiorillo
GRID Impact
Susan Johnson
University of Bath
Nish Kotecha
Geosansar
Jason Lamb
Bill & Melinda Gates Foundation
Carlos Lopez-Moctezuma
BBVA
Michael J. McCord
MicroInsurance Centre
Jonathan Morduch
Financial Access Initiative
NYU Wagner
Larry Reed
Microcredit Summit Campaign
Beniamino Savonitto
Innovations for Poverty Action
Evelyn Stark
MetLife Foundation
Guy Stuart
Microfinance Opportunities
Piyush Tantia
ideas42
Graham Wright
MicroSave
Lawrence Yanovitch
GSMA Foundation
FINANCIAL CAPABILITY
Tim Adams
The Institute of International
Finance
Philip Brown
Citi Inclusive Finance
Brian Clancy
In the Nation's Interest
Monique Cohen
Independent Consultant
Alexandra Fiorillo
GRID Impact
Usha Gopinath
Accion
Alfred Hannig
Alliance for Financial Inclusion
Martin Hintz
Allianz SE
Richard Hinz
Independent Consultant
Ben Knelman
Juntos
Michael J. McCord
Microinsurance Network and MicroInsurance Centre
Flore-Anne Messy
OECD
Robyn Robertson
Good Return
Tom Sanderson
BBC Media Action
Beniamino Savonitto
Innovations for Poverty Action
Andrea Stiles Pullas
AVAL Consulting
Guy Stuart
Microfinance Opportunities
Piyush Tantia
ideas42
Jennifer Tescher
The Center for Financial Services Innovation
Carolina Trivelli
Independent Consultant
Jayshree Venkatesan
Independent Consultant
Pooja Wagh
Innovations for Poverty Action
Graham Wright
MicroSave
CLIENT PROTECTION
Isabelle Barres
The Smart Campaign
Philip Brown
Citi Inclusive Finance
Juan Carlos Chong
Superintendencia de Banca,
Seguros y AFP
Brian Clancy
In the Nation's Interest
Aboubacrine Date
Bank for the Microfinance
Institutions in West Africa
Seema Desai
GSMA
Alexandra Fiorillo
GRID Impact
David Grace
Dave Grace & Associates
Ros Grady
World Bank
Anne Hastings
Microfinance CEO
Working Group
Rafe Mazer
CGAP
Kate McKee
CGAP
Beth Porter
United Nations Capital
Development Fund (UNCDF)
Alok Prasad
RBL Bank
Alexandra Rizzi
The Smart Campaign
Pia Roman Tayag
Bangko Sentral ng Pilipinas (BSP)
Clifford Rosenthal
Independent Consultant
Jessica Schicks
AB Bank Zambia
Access Holding/LFS Financial Systems
Jami Solli
Consumers International
Andrea Stiles Pullas
AVAL Consulting
Mariela Zaldívar
Superintendencia de Banca,
Seguros y AFP (SBS)
Emily Zimmerman
EA Consultants
CREDIT REPORTING
Monica Brand
Frontier Investments Group at Accion
Philip Brown
Citi Inclusive Finance
Brian Clancy
In the Nation's Interest
Arjuna Costa
Omidyar Network
Tony Lythgoe
Finance and Markets Practice Group, World Bank Group
Kate McKee
CGAP
Narda Sotomayor Valenzuela
Superintendencia de Banca
Seguros y AFP
Michael Turner
PERC
TECHNOLOGY
Rudy Araujo
Asociación de Supervisores
Bancarios de las Américas
(ASBA)
Jeffrey Bond
INSEAD and Johns Hopkins SAIS
Monica Brand
Frontier Investments Group at Accion
Ed Brandt
MasterCard
Paul Breloff
Accion Venture Lab
Philip Brown
Citi Inclusive Finance
Carol Caruso
Accion
Simone di Castri
GSMA
Massimo Cirasino
World Bank
Brian Clancy
In the Nation's Interest
Gerhard Coetzee
CGAP
Tomas Conde
Institute of International
Finance
Arjuna Costa
Omidyar Network
Seema Desai
GSMA
Innocent Ephraim
Financial Sector Deepening
Trust
Bill Gajda
Visa Inc.
Alfred Hannig
Alliance for Financial Inclusion
Stephen Kehoe
Visa
Jason Lamb
Bill & Melinda Gates Foundation
Loretta Michaels
U.S. Department of the Treasury
Nachiket Mor
Reserve Bank of India
Sergio Navajas
Inter-American Development
Bank
David Porteous
Bankable Frontier Associates
Narda Sotomayor Valenzuela
Superintendencia de Banca,
Seguros y AFP (SBS)
Carolina Trivelli
Independent Consultant
Lawrence Yanovitch
GSMA Foundation
Steering committee
FINANCIAL INCLUSION 2023 is guided by a Steering Committee made up of global leaders in financial inclusion: Citi, CGAP, the Bill & Melinda Gates Foundation, MasterCard Worldwide, MetLife Foundation & Visa. We also wish to thank Credit Suisse as the Founding Partner of the Center for Financial Inclusion.