Anand Raman

Senior Financial Sector Specialist

Anand Raman works in CGAP’s Connected Markets team. The team works to build knowledge, practice, and evidence to inform policy on market-level infrastructure that allows providers to serve financially excluded populations at scale.

Anand has over 25 years of experience in information technology, telecommunications, media, and financial services. Before joining CGAP, he led banking relationships, policy, product design, and marketing at Eko India, a pioneering financial services provider for low-income people. He devised the agent banking strategy for Jana Small Finance Bank. He was instrumental in the design and roll-out of electronic airtime recharge at Idea Cellular, a foundational precursor to mobile money systems. Previously, he worked in building information technology for telecommunication systems.

Anand has a Bachelor’s degree in Electrical Engineering from the Indian Institute of Technology, Roorkee and a Master’s in International Public Policy from the Johns Hopkins School of Advanced International Studies, Washington D.C. He is based in Mumbai, India.

By Anand Raman


Doing Good by Doing Well: Women Banking Agents in India

In India's Bihar state, women Bank Sakhi agents help enable financial inclusion for rural, vulnerable, and hard-to-reach customers, more so than the traditional agents - but various gender norms constrain how they operate. We discuss solutions.

Agent Network Journeys Toward the Last Mile: A Cross-Country Perspective

CGAP's analysis reveals three distinct journeys country stakeholders have taken to extend the reach and quality of rural agent networks.

(Un)stacking Financial Market Infrastructure

Challenges around scaling effective financial infrastructures are not small, but when addressed effectively, a system can emerge that improves the value of financial services for poor people.

Can JioMart and Facebook Revolutionize Traditional Retail in India?

Facebook and the Indian grocery shopping platform JioMart in April announced a partnership that sent ripples through India's e-commerce and e-grocer sectors. What could this partnership mean for small business owners in India?

Will Facebook Soon Dominate Digital Payments in India, Indonesia?

As Facebook enters the highly regulated space of digital payments in India and Indonesia, it is partnering with local players to connect its virtual ecosystem with the cash economy, gain access to logistics networks and overcome regulatory hurdles.