Michel Hanouch works with CGAP's Customer & Provider Solutions Team to push the frontiers of digital finance. He is currently focused on supporting innovative companies to develop and test high impact solutions targeting low income customers. He also leads CGAP’s thinking on Open APIs in financial inclusion, working with large digital payment providers to make their assets available to innovative third parties. Michel has over a decade of experience working on technology enabled business models and innovative retail payments, previously leading CGAP's work on interoperability, the business case for financial inclusion, and digital financial services in South Africa.
Michel has experience working with banks, fintech companies, mobile network operators, card ‘associations’, regulators, donors, and payment service providers across a range of countries including Bahrain, Ghana, India, Kenya, Lesotho, Mexico, Mozambique, Myanmar, Nigeria, Oman, Pakistan, Rwanda, South Africa, Tanzania, the UK, the US and Zimbabwe.
Michel has a Masters degree in Economics from the University of Witwatersrand.