Michel Hanouch

Senior Financial Sector Specialist

Michel Hanouch works to push the frontiers of digital finance. He has over 12 years of experience working on FinTech-enabled product and business model innovation. Mr. Hanouch leads CGAP’s work on open APIs in financial inclusion, which aims to open existing digital rails to FinTechs and other third-party innovators.

Mr. Hanouch has worked with banks, FinTechs, mobile network operators, card “associations,” regulators, and donors across a range of countries, primarily in Sub-Saharan Africa, South Asia, and South East Asia. He has lived and worked in the United States and the United Kingdom. Before joining CGAP, Mr. Hanouch was a manager at Genesis Analytics, an economics-based strategy consulting firm.

Mr. Hanouch has a Master’s degree in Economics, and an Honour’s degree in Economic Science, both from the University of Witwatersrand. He is based in Johannesburg, South Africa.

By Michel Hanouch

Blog

Bringing Health Microinsurance to Kenyans via Mobile Phone

Bundling microinsurance with other mobile financial products is making health insurance more affordable and useful for low-income patients in Kenya.
Research

Digital Rails

By opening up their payments platforms to third parties—such as financial technology companies, software developers, startups, and digital banks—providers can open the door to the development of innovative products that can be brought to market quickly.
Blog

5 Keys to Addressing the Needs of API Consumers

Open APIs have potential to spur innovation in digital finance and grow business for payment providers. But to realize these benefits, providers must design open APIs that meet the needs of the developers who use them.
Blog

Riding the “Rails”: Unlocking Innovation with Open APIs

What are "Open APIs" and why do they matter for financial inclusion? CGAP is looking at open APIs as an enabler of increased innovation in digital financial services. Here's what digital payments providers need to know.
Blog

The ‘Uberification’ of Financial Inclusion: What’s Possible?

At CGAP, we want to understand what Uber and other socially interactive business models could mean for financial inclusion.