Arisha Salman

Financial Sector Analyst

Arisha Salman works with CGAP’s Policy Pillar. She previously supported CGAP’s work on Digital Business Models with a focus on Inclusive Digital Banking and the Digital Divide.

Before joining CGAP, Arisha worked for over 5 years on digital financial inclusion, SME development and gender mainstreaming in South and Southeast Asia. She has held positions as a Management Consultant with the Financial Services Practice at PricewaterhouseCoopers and with the Gender Equity Thematic Group at the Asian Development Bank.

Arisha holds a Master’s degree in Public Administration from Columbia University’s School of International and Public Affairs and an undergraduate degree in Economics from the University of Delhi. She is fluent in Hindi and Urdu.

By Arisha Salman


Digitally Included, Yet Poor: What Do Their Data Trails Tell Us?

Many people who generate significant amounts of digital data are poor. Who are they? What sort of data are they generating? And how can it be used to make financial services more useful to them?

Can Free Phones Close the Digital Gender Divide?

Mobile phone affordability — the focus of most programs to distribute free phones to women — is far from the only barrier to women’s use of mobile phones.

The Digital Gender Divide Won’t Close by Itself – Here’s Why

Men and women engage differently with digital services - including digital financial services - because of, among other factors, gendered social norms that don't change nearly as fast as technology.

What Makes Digital Banking Inclusive?

Just because digital banks can reach low-income customers doesn’t mean that they will. But new evidence suggests that in fact some digital banks are becoming more inclusive and sheds light on how they are reaching low-income customers.

Inclusive Digital Banking: Emerging Markets Case Studies

What makes digital banking inclusive? CGAP looks at how three digital banks are innovating and driving financial inclusion: Tyme Bank in South Africa, Kotak 811 in India, and UnionBank of the Philippines.