Gerhard Coetzee leads Customer & Provider Solutions at CGAP, working on customer centric business models, financial innovations for smallholder families and digital financial products and services beyond payments. He is Extraordinary Professor at the University of Stellenbosch Business School. Previously Gerhard was Head of Inclusive Banking at Absa Bank, the founder and Director of the Centre for Inclusive Banking in Africa and Professor in Agricultural Economics at the University of Pretoria. He is published widely and has worked in several countries, the majority in Africa. Gerhard holds a PhD in Agricultural Economics from the University of Pretoria, South Africa.