Financial Inclusion Unlocked

Recorded on the sidelines of Inclusive Finance 26 (IF26) in Luxembourg, this special episode of Financial Inclusion Unlocked celebrates the winner of the 2026 Luxembourg Award for Inclusive Finance (LAIF), presented by InFiNe, the Inclusive Finance Network Luxembourg.The winner is Chancen International, the Rwanda-based nonprofit pioneering Income Share Agreements (ISAs) for post-secondary education across sub-Saharan Africa.Jack Farren sits down with Batya Blankers, Founder and CEO of Chancen International, to explore how a financing model she experienced firsthand became the foundation for one of the most distinctive education finance organisations in the world.Since founding Chancen in 2018, Batya has grown the organisation from a start-up in Rwanda to a global operation financing more than 14,000 students across Rwanda, South Africa, Kenya and Ghana, with a 93% graduation rate, a 71% employment rate, and a model that increases lifetime earnings by up to 5x. Chancen’s recently closed Future of Work Fund reached $33 million, and the organisation has identified a $9.8 billion market opportunity for ISA-based education finance in sub-Saharan Africa.In this conversation, we cover:How Batya’s own experience with an ISA in Germany led her to build ChancenWhy Income Share Agreements work where conventional student loans fail — and what a 97% repayment rate actually meansThe Future of Work Fund: how $33 million gets deployed, and what the path to 60,000 students by 2029 looks likeHow Chancen vets partner institutions for employability outcomes, and what it means to build a financing product around the borrower’s realityThe job market across Rwanda, Kenya, South Africa and Ghana, and what it takes to ensure a financed education leads to decent workWhat it would take for governments and development finance institutions to adopt ISAs as a mainstream toolAbout InFiNe The Luxembourg Award for Inclusive Finance (LAIF) is presented annually by InFiNe — the Inclusive Finance Network Luxembourg — to recognise outstanding organisations advancing youth-inclusive finance. This episode is produced in partnership with InFiNe.Learn more about the Luxembourg Aard for Inclusive Finance (LAIF) at infine.lu, and watch the documentaries of all of the finalists here:Chancen InternationalIFarmerFundacion ParaguayaAbout Financial Inclusion Unlocked Financial Inclusion Unlocked shares stories of innovators and sector leaders unlocking the potential of financial inclusion as an enabler of the UN Sustainable Development Goals. Through in-depth conversations and documentary-style storytelling, the podcast highlights the people and projects driving meaningful change, and explores the big questions the sector needs to confront to move forward.Follow Financial Inclusion Unlocked on Spotify, Apple Podcasts and YouTube. 

In 2006, the Munich Re Foundation and the International Labour Organization (ILO) published Protecting the Poor: A Microinsurance Compendium. It laid the foundations of microinsurance as a field of practice and policy. It gave the field a shared language, conceptual frameworks and operational guidance at a time when microinsurance was still emerging.In 2012, they released Microinsurance Compendium Volume II together with the Microinsurance Network. It showed a sector that had begun to mature, and it documented lessons from scale, commercial participation, regulatory engagement and early technological innovation.Together, these two volumes became reference points for practitioners, policymakers and donors, shaping how microinsurance was understood and implemented across the world.This series marks 20 years since that first compendium. Over 12 weeks, you’ll hear from the pioneers and builders who shaped microinsurance over the last two decades, and from new voices creating the next wave of innovation. They share what they have learnt, what has surprised them, and their thoughts on the next decade of microinsurance.This series is brought to you by the Microinsurance Network, the Munich Re Foundation and the ILO, in collaboration with Financial Inclusion Unlocked.Episode OverviewSelf-employed women in India were told they were uninsurable, so they built their own insurer. VimoSEWA started inside SEWA Bank in 1992. In 2009 it became its own cooperative, and today it is India’s only women-owned multi-state insurance cooperative.VimoSEWA is the only organisation to appear in both compendiums, for different reasons each time:Volume I (2006) looked at how it ran day to day. That meant claims, renewals, its member-led claims committee, and community health workers like Mainaben, the fish seller her neighbours called whenever they needed to make a claim.Volume II (2012) looked at its business model. It offered three bundled “cradle to grave” schemes and covered every child in a family, so parents never had to choose which child to insure. Members could pay their premiums from the interest on their SEWA Bank savings.In this episode, Jack speaks with Mirai Chatterjee and Ruchi Agarwal about that journey:In 2001, VimoSEWA’s renewal rate was 22% and claims took up to three months to settle.As of 2025, claims are settled in 0 to 20 days and paid directly into women’s bank accounts, and 85% of policies are renewed.They also talk about the members who rose to lead the cooperative, VimoSaathis building livelihoods as insurance agents, and how digital tools and face-to-face meetings work together. On climate, they trace how SEWA went from handing out umbrellas against heat stroke to piloting parametric heat and rainfall insurance. The conversation closes with what a 2046 compendium should document.Episode ThemesFrom SEWA to VimoSEWA: how a union of self-employed women grew a bank, a family of cooperatives and, in 1992, its own insuranceVolume I and the claims story: how teaching members to claim, plus a member-led claims committee, cut waiting times from months to weeks Volume II and the business model: bundled cover, protection for every child, and paying premiums from savings, plus what survived the move to a standalone cooperativeOwnership and livelihoods: the path from member to board chair, and VimoSaathis as micro-entrepreneursDigital and human: apps, QR codes and a CRM alongside women-only meetings, and why trust is still built by peopleClimate: parametric heat insuranceAbout Our GuestsMirai Chatterjee is Director of SEWA Social Security and the founding chair of VimoSEWA. She has worked with SEWA for more than four decades, building health, childcare and insurance services for women in the informal economy.Ruchi Agarwal is CEO of VimoSEWA. She leads the cooperative’s growth as a women-owned mutual and intermediary, including its move to digital premium collection and its climate insurance pilots.Connect With UsDon’t miss the rest of the Microinsurance Compendium 20th Anniversary Series! New episodes come out every Thursday. Watch the full video on the Microinsurance Network YouTube channel, or subscribe to Financial Inclusion Unlocked on Apple Podcasts, Spotify, or your favourite podcast app.Join the conversation on LinkedIn at Financial Inclusion Unlocked for video highlights, insights and updates from the world of financial inclusion.The Microinsurance Compendium 20th Anniversary Series is brought to you by the Microinsurance Network, the Munich Re Foundation and the ILO. Financial Inclusion Unlocked is produced by SIJ Media and hosted by Jack Farren.

In 2007, Pioneer, a commercial insurer founded in Manila in 1954, set out to sell insurance “in sachet form, in bite-sized affordable chunks for the underserved and unserved.” Volume II of the compendium documents two of its early experiments: Sparxx, a prepaid savings-and-insurance card, and the OFW Savers and Wellness Club, which covered the families of overseas Filipino workers.That same year, Pioneer began a partnership with CARD MRI, the Philippines’ largest microfinance group. It rested on a promise no other insurer would make: claims settled within five days. The partnership grew into CARD Pioneer Microinsurance Inc. (CPMI) and became one of the largest microinsurance businesses in the world. It went from 20,000 lives covered in 2008 to close to 37 million microinsurance enrollments as of 2025.In this episode, Jack sits down with Lorenzo to tell that story in order:The early sachet productsThe 1-3-5 claims promiseA flagship product that started losing money and had to be redesignedTyphoon Haiyan, when claims paid door-to-door became the strongest marketing the business ever hadRebuilding the company around its customersAbout Our GuestLorenzo Chan Jr. is President and CEO of Pioneer Inc., the holding company of the Pioneer Insurance Group and one of the leading non-life insurers in the Philippines. He was previously President and CEO of Pioneer Life. In 2007 he approached Dr. Jaime Aristotle Alip, founder of CARD MRI, and the partnership that followed became CARD Pioneer Microinsurance Inc. in 2013. Lorenzo chaired the Microinsurance Network from 2021 to 2026, the first chair from Asia. He co-wrote Covering Nanay: The Philippine Microinsurance Journey (2024), which won Best Book on Business at the 43rd National Book Awards.In 2006, the Munich Re Foundation and the International Labour Organization (ILO) published Protecting the Poor: A Microinsurance Compendium. It laid the foundations of microinsurance as a field of practice and policy. It gave the field a shared language, conceptual frameworks and operational guidance at a time when microinsurance was still emerging.In 2012, they released Microinsurance Compendium Volume II together with the Microinsurance Network. It showed a sector that had begun to mature, and it documented lessons from scale, commercial participation, regulatory engagement and early technological innovation.Together, these two volumes became reference points for practitioners, policymakers, donors and academics, and they shaped how microinsurance was understood and implemented across the world.This series marks 20 years since that first compendium. Over 12 weeks, you’ll hear from the pioneers and builders who shaped microinsurance over the last two decades, and from new voices creating the next wave of innovation. They share what they have learnt, what has surprised them, and their thoughts on the next decade of microinsurance.This series is brought to you by the Microinsurance Network, the Munich Re Foundation and the ILO, in collaboration with Financial Inclusion Unlocked.Connect With UsDon’t miss the rest of the Microinsurance Compendium 20th Anniversary Series! New episodes come out every Thursday. Watch the full video on the Microinsurance Network YouTube channel, or subscribe to Financial Inclusion Unlocked on Apple Podcasts, Spotify, or your favourite podcast app.Join the conversation on LinkedIn at Financial Inclusion Unlocked for video highlights, insights and updates from the world of financial inclusion.The Microinsurance Compendium 20th Anniversary Series is brought to you by the Microinsurance Network, the Munich Re Foundation and the ILO. Financial Inclusion Unlocked is produced by SIJ Media and hosted by Jack Farren.

Microinsurance Compendium 20th Anniversary Series | Episode 1: Craig Churchill — Origins of the CompendiumIn 2006, the Munich Re Foundation and the International Labour Organization (ILO) published Protecting the Poor: A Microinsurance Compendium. It established the foundations of microinsurance as a field of practice and policy, providing shared language, conceptual frameworks and operational guidance at a time when microinsurance was still emerging.In 2012, they released Microinsurance Compendium Volume II together with the Microinsurance Network, showcasing a sector that had begun to mature and documenting lessons from scale, commercial participation, regulatory engagement and early technological innovation.Together, these two volumes became reference points for practitioners, policymakers, donors and academics, shaping how microinsurance was understood and implemented across the world.Today, we’re marking 20 years since that first compendium. Over the next 12 weeks, you’ll hear from the pioneers and builders who shaped microinsurance over the last two decades, and from new voices creating the next wave of innovation. They share what they have learnt, what has surprised them, and their thoughts on the next decade of microinsurance.This series is brought to you by the Microinsurance Network, the Munich Re Foundation and the ILO, in collaboration with Financial Inclusion Unlocked.Episode OverviewWe open the series where it all began. Craig Churchill edited the 2006 compendium, a landmark effort to map an emerging field, document what worked, and challenge practitioners and policymakers to rethink how insurance could serve low-income populations. Six years later, he co-edited Volume II with Michal Matul.In this episode, Jack sits down with Craig to reflect on the journey of both volumes: the vision behind them, the needs the sector faced at each moment, the predictions that held and those that didn’t, and the case studies that went on to prove the model at scale. Craig also looks at how dramatically the landscape has changed since 2006, what has stayed constant, and what he would prioritise in a third volume written today.This conversation sets the foundation for the rest of the series, which features compendium authors, organisations profiled in the original case studies, and emerging voices across the sector.Episode ThemesThe 2006 genesis: the moment and the need that prompted the first compendiumThe 2012 inflection point: what changed in six years to warrant a second volume, and the new questions it set out to answerPredictions and core concepts: which ideas proved prescient, which played out differently than expected, and what still holds trueThe case studies that scaled: which organisations featured across both volumes went on to genuinely prove the modelTwenty years of field evolution: what is unrecognisable today, and what has stayed the sameThe 2026 chapter: what a Volume III should focus on, and the most urgent conversation the sector needs to have nowAbout Our GuestCraig Churchill is Chief of the ILO’s Social Finance Programme and Team Leader of the ILO’s Impact Insurance Facility. His work focuses on how financial services and policies can achieve social objectives. He edited Protecting the Poor: A Microinsurance Compendium (2006) and co-edited Microinsurance Compendium Volume II (2012) with Michal Matul.Connect With UsDon’t miss the rest of the Microinsurance Compendium 20th Anniversary Series! New episodes release every Thursday. Watch the full video on the Microinsurance Network YouTube channel, or subscribe to Financial Inclusion Unlocked on Apple Podcasts, Spotify, or your favourite podcast app.Join the conversation on LinkedIn at Financial Inclusion Unlocked for video highlights, insights and updates from the world of financial inclusion.The Microinsurance Compendium 20th Anniversary Series is brought to you by the Microinsurance Network, the Munich Re Foundation and the ILO. Financial Inclusion Unlocked is produced by SIJ Media and hosted by Jack Farren.

Impact investing in financial inclusion has come a long way from the early days of development finance. The question today is no longer whether investing in underserved populations can generate returns. It is whether the sector is moving fast enough, reaching far enough, and measuring what actually matters.Latin America sits at the centre of this story. The region has one of the most developed inclusive finance ecosystems in the world, with a strong track record of institutional performance, growing digital infrastructure, and increasing commercial investor interest.In this episode, Jack sits down with Jacqueline Bonny Cariz, an Investment Manager focused on debt investments across Latin America, to explore what it means to invest with impact in inclusive finance across the region. Jacqueline brings over a decade of experience deploying capital across Latin America, working directly with financial institutions that serve underserved populations.Episode ThemesJacqueline’s personal journey into impact investingHow the inclusive finance investment landscape in Latin America has evolved, and where patient capital is most needed todayWhat the returns story really looks like, how social performance is measured alongside financial performance, and where the genuine trade-offs lieHow impact investors evaluate an institution’s social impact before making an investment decision, and how they guard against impact washingHow climate change is reshaping the investment thesis in Latin America, and what climate-smart inclusive finance looks like on the groundWhat it takes to build a strong investor-investee relationship, and what the best institutions do to manage that relationship strategicallyAbout Our GuestJacqueline Bonny Cariz is an Investment Manager focused on debt investments across Latin America, with over a decade of experience deploying capital to financial institutions that serve underserved populations across the region.Connect With UsDon’t miss the rest of Series 3! Subscribe to Financial Inclusion Unlocked on Apple Podcasts, Spotify, or your favourite podcast app.Join the conversation on LinkedIn at Financial Inclusion Unlocked for video highlights, insights, and updates from the world of financial inclusion.Financial Inclusion Unlocked is produced by SIJ Media, and hosted by Jack Farren

Fundación Génesis Empresarial in Guatemala is one of the largest microfinance institutions in Latin America, and its approach to measuring success is built around a framework it calls the Ruta del Desarrollo, or the development pathway, sketched out on a napkin nearly four decades ago.In this episode, we're joined by Edgardo Perez, CEO of Fundación Génesis Empresarial, to talk about how that napkin sketch became a system tracking eight financial and twelve social variables for every client, why the organisation built its own resilience pathways, and how insurance, agri-tech, and a shift from "financial inclusion" toward "financial health" are shaping where Génesis goes next.Episode ThemesThe founding story of Génesis, born out of a chance conversation on an airplane and a $500,000 loanFrom commercial banking to microfinance: Edgardo's journey and what changed his mind about who counts as a customerThe Ruta del Desarrollo, and how a concept sketched on a napkin became a scientifically tracked development pathwayTurning loan officers into "development promoters," and how their goals are measured differentlyBuilding the digital development path in response to the rise of fintech, and why Génesis didn't want to compete on speed aloneHow AI-driven agricultural tools shape lending decisions for smallholder farmersCommunicating impact to funders and investors, and why purpose has driven Génesis's consistent 25-30% annual growthFrom financial inclusion to financial health: what the shift means for the sector, and the influence of Queen Máxima's UNSGSA advocacyAbout Our GuestEdgardo Perez is CEO of Fundación Génesis Empresarial, a microfinance institution in Guatemala serving over 550,000 customers, 85% of them women. He has spent most of his career in commercial banking, becoming a CEO at 29 in a credit card company and going on to lead several banks across Latin America before joining Génesis as CEO in January of 2015. Connect With UsDon't miss the rest of Series 3! Subscribe to Financial Inclusion Unlocked on Apple Podcasts, Spotify, or your favourite podcast app.Join the conversation on LinkedIn at Financial Inclusion Unlocked for video highlights, insights, and updates from the world of financial inclusion.Financial Inclusion Unlocked is produced by SIJ Media, and hosted by Jack Farren.

The financial inclusion sector has made significant progress on access. More people than ever hold accounts, use digital payments, and can access credit. But access alone doesn't protect a small business owner in Lagos when floods shut her street for three weeks, or a street vendor in Delhi when a heatwave keeps customers away for a month. The next frontier for financial inclusion is resilience: not just whether people have financial tools, but whether those tools work together to help them withstand shocks, adapt, and recover.In this episode, we're joined by Anindita Chakraborty, Director of Research and Strategy at the Center for Financial Inclusion (CFI), to unpack two landmark pieces of CFI research: the Small Firms, Big Impact study, which surveyed over 20,000 MSEs across Addis Ababa, Delhi, Jakarta, Lagos and São Paulo, and the Building Resilience Capital brief, which makes the case for a more integrated approach to how financial services are designed and delivered.Episode ThemesWhat small firms are actually facing, and the reality of running a business under pressureThe predictable sequence small firms fall back on when a shock hits, and what it reveals about the financial systemWhy fewer than 2% of the businesses surveyed relied on insuranceThe fragmentation problem across savings, credit and insurance, and what shared infrastructure could look likeDigitisation as a resilience tool, and why adoption still lags in markets like Jakarta and Addis AbabaTreating resilience as an investable form of capital rather than a downstream outcome of accessWhere the sector needs to go in the next five years to make resilience a genuine outcome rather than a stated goalAbout Our GuestAnindita Chakraborty is Director of Research and Strategy at the Center for Financial Inclusion (CFI), where she works closely with CFI's leadership team on strategy, fundraising, and the organisation's research agenda. She is an inclusive finance specialist with eleven years of experience across research, ratings, client protection certifications, and programme implementation in Asia and Africa. Before joining CFI, she worked as an evidence and insights fellow at the UN Foundation's Digital Impact Alliance, and has previously worked with Dvara Finance, M-CRIL, and the Entrepreneurial Finance Lab. Anindita holds an MPA in Economic and Political Development from Columbia University's School of International and Public Affairs.Learn MoreFor those that wish to learn more about the topic discussed in this episode, see here:Building Resilience Capital: The Missing Layer in Outcome-Oriented Financial InclusionSmall Firms, Big Impact StudyFinancial Inclusion WeekConnect With UsDon't miss the rest of Series 3! Subscribe to Financial Inclusion Unlocked on Apple Podcasts, Spotify, or your favourite podcast app.Join the conversation on LinkedIn at Financial Inclusion Unlocked for video highlights, insights, and updates from the world of financial inclusion.Financial Inclusion Unlocked is produced by SIJ Media and hosted by Jack Farren.

Digital financial services have been one of the most significant development stories of the last two decades. Across sub-Saharan Africa and beyond, DFS has extended financial access to hundreds of millions of people, enabling remittances, savings, small business payments, and emergency transfers in ways that were simply impossible before. But scale brings scrutiny. As adoption deepens and DFS reaches communities with lower digital literacy, less price awareness, and fewer alternatives, the question of what people are actually paying becomes more urgent, not less.In this episode, we sit down with Francis Annan, Assistant Professor at UC Berkeley, and William Blackmon, Associate Director of IPA's Financial Inclusion Program, to dig into the economics of why DFS markets get stuck in low transparency equilibria, and what research, tools, and policy are starting to do about it.Episode ThemesWhat DFS has achieved, and where the evidence shows its limitsThe low transparency equilibrium, and why competitive markets get stuck thereThe gap between disclosed and understood, and how it translates into real consumer harmWhat it would take to build a DFS market with transparency as a core objectiveIPA's new AI-powered transparency tool, and what it makes possible at scaleWhat a genuinely transparent DFS market could look like in ten yearsAbout Our GuestsWilliam Blackmon is an Associate Director for IPA's Financial Inclusion Program, where he oversees a portfolio of research studies including work on mobile money agent networks and consumer protection for digital finance users. He previously worked in IPA's Kenya office as a Research Coordinator, and prior to joining IPA consulted for the World Bank and served as a Peace Corps Volunteer in Tanzania. He holds a Master of Public Policy from Georgetown University.Francis Annan is an Assistant Professor of Economics at UC Berkeley's Agricultural and Resource Economics department, a Faculty Research Fellow at the NBER, and the Scientific Lead and Co-Chair of the Retail Finance Distribution (ReFinD) Research Initiative at ISSER in Ghana. His research centres on development economics with a focus on digital financial markets, insurance, and firms across Sub-Saharan Africa (mostly Ghana) and the United States. He holds a PhD in Sustainable Development from Columbia UniversityConnect With UsDon't miss the rest of Series 3! Subscribe to Financial Inclusion Unlocked on Apple Podcasts, Spotify, or your favourite podcast app.Join the conversation on LinkedIn at Financial Inclusion Unlocked for video highlights, insights, and updates from the world of financial inclusion.

The global insurance industry has spent centuries developing tools to manage risk, yet the people most exposed to climate shocks, from smallholder farmers to displaced communities, have historically been the least able to access them. Humanity Insured is an industry backed charity working to close that gap, with an ambition to make £2 billion in insurance coverage accessible to 30 million people by 2030, helping them build resilient futures and stay out of poverty.In this episode, Jack is joined by Charlie Langdale, CEO of Humanity Insured, to trace the charity's origin story, its funding model, and the early proof points emerging from its first programmes. Pravin Kalpage, CEO of Hollard International, then explains what drew Hollard to support Humanity Insured as a donor partner and how he sees inclusive insurance evolving across Africa over the next decade. Finally, Anne Kamau of AB Entheos introduces WILD Cover, a Humanity Insured supported product protecting rural households in Zambia from the financial risks of human wildlife conflict, while supporting conservation.Episode ThemesThe origin story behind Humanity InsuredHow Humanity Insured is structured, who it funds, who its donors are, and how community designed insurance shapes the products it supportsEarly impact, including the charity's progress toward its goal of protecting 30 million people by 2030, and what comes next for its programmes and partnershipsWhat inspired Hollard to step in as a donor partner to Humanity Insured, and how that support connects to Hollard's broader purpose across the African markets it servesInside WILD Cover, the human wildlife conflict insurance product piloted by AB Entheos in Zambia's Kafue region, and how it helps farmers safeguard their livelihoods while supporting conservationLearn MoreFor listeners wanting to go deeper on the themes in this episode:The Telegraph explores how wildlife insurance is being used to protect people from animal attacks while easing the pressure on communities to retaliate against wildlife: "Wildlife insurance: protecting humans from animal attacks" Humanity Insured's blog on WILD Cover looks at how drought is intensifying human wildlife conflict in Zambia and how the fund is helping farmers stay resilient: "AB Entheos: WILD Cover, protecting people, preserving wildlife and promoting coexistence" About Our SponsorWe are proud that CGAP is  the exclusive sponsor of Season 2! CGAP are a global partnership of 40+ development organisations working to advance the lives of people living in poverty through financial inclusion. Housed at the World Bank, its independent research and analysis is available to all as a global public good.Follow CGAP on LinkedIn or subscribe to its newsletter.Connect With UsSeries 3 will be launching next Monday 10th August 2026! Subscribe to Financial Inclusion Unlocked on Apple Podcasts, Spotify, or your favourite podcast app.Join the conversation on LinkedIn at Financial Inclusion Unlocked for video highlights, insights, and updates.

Consumer protection is fast becoming one of the defining challenges of the mobile money era. From fraud and impersonation scams to opaque fees and inadequate recourse, the risks facing digital financial services users are growing, and as mobile money scales across Sub-Saharan Africa, South Asia, and other emerging markets, so do the vulnerabilities it creates.This episode takes a hard look at the full arc of consumer protection in mobile money: what the challenge looks like today, where the industry is innovating, and what still needs to change. Regulators in fast-growing markets face a genuine tension — push too hard on protection and you risk stifling the growth that has brought hundreds of millions of people into the formal financial system; move too slowly and those same people bear the cost. Grounded in global evidence and policy experience, Jack is joined by Kennedy Kipkemboi, Director of Policy, Regulatory & Advocacy for Mobile Money at the GSMA, to explore what good regulation looks like, how it needs to evolve as mobile money moves beyond payments into credit, savings, and insurance, and what the next chapter of the regulatory playbook must deliver.Episode ThemesA snapshot of the consumer protection landscape in mobile money today, including the fraud typologies growing fastest and the populations most exposedHow regulators are learning to strike the balance between enabling mobile money growth and protecting users, drawing on the Mobile Money Regulatory Index, the 2024 Policy and Regulatory Handbook, and the markets that have managed to do bothHow regulation needs to evolve as mobile money expands beyond payments into credit, savings, and insuranceWhat the next chapter of mobile money regulation needs to look likeAbout Our Guest Kennedy Kipkemboi is the Director of Policy, Regulatory & Advocacy for Mobile Money at the GSMA. In this capacity, he leads GSMA's regulatory strategy for mobile financial services across GSMA's global footprint. Kennedy is an experienced public policy and regulatory affairs practitioner with over 14 years' experience spanning converged telecommunications and financial services. Prior to joining the GSMA, he worked with Safaricom PLC where he held several roles in Regulatory and Public Policy, Financial Services, and Customer Management. He is skilled in Government Relations, Stakeholder Management, and Strategic Planning.About Our SponsorWe are proud that CGAP is also the exclusive sponsor of Season 2! CGAP are a global partnership of 40+ development organisations working to advance the lives of people living in poverty through financial inclusion. Housed at the World Bank, its independent research and analysis is available to all as a global public good.For listeners interested to learn more about the topic, CGAP has produced valuable research:An Ecosystem Approach to Consumer Protection: What, Why and How?Three Lessons from Cote D'Ivoire on Responsible Digital Finance EcosystemsFollow CGAP on LinkedIn or subscribe to its newsletter.Connect With UsDon't miss the remaining episodes of Series 2! Subscribe to Financial Inclusion Unlocked on Apple Podcasts, Spotify, or your favourite podcast app.Join the conversation on LinkedIn at Financial Inclusion Unlocked for video highlights, insights, and updates.