Emilio Hernandez

Senior Financial Sector Specialist

Emilio Hernandez explores digital financial solutions for last-mile clients. He leads work on inclusive digital distribution networks and the impact financial inclusion has on poor people’s lives. He provides technical guidance to better understand the financial behavior and needs of underserved client groups, like smallholder families, and to experiment with providers on innovative strategies and products that meet those needs.

Before joining CGAP, Emilio led technical cooperation programs focused on inclusive rural and agricultural finance at the Food and Agriculture Organization of the United Nations overseeing field interventions in Latin America, Africa, and Asia. He also oversaw business operations for a large international agricultural technology company throughout Central America. He has a Doctorate degree in Agricultural Economics and Development Finance from The Ohio State University.

By Emilio Hernandez

Blog

Kickstarting CICO Rural Agent Network Innovation: 5 Tips for Funders

Based on pilots in five countries (Colombia, Cote d’Ivoire, India, Indonesia, Morocco and Pakistan), we share early insights on how funders can engage with stakeholders in Cash-in Cash-out (CICO) rural agent networks to kickstart innovation. 
Blog

Friend or Foe to the World’s Poor? Settling the Microfinance Debate

Two debates fuel a seemingly never-ending cycle of support and criticism for the microfinance industry. We propose ways to resolve knowledge gaps that perpetuate these debates, which are also relevant for the broader financial inclusion community.
Research

Agent Networks​ at the Last Mile​: Implications for Policy Makers

Rural agent networks are critical to “last mile” financial inclusion.

Research

Agent Networks ​at the Last Mile: Implications for Financial​ Service Providers

Rural agent networks are critical to “last mile” financial inclusion.

Research

Agent Networks at the Last Mile​: Implications for Financial Regulators

Rural agent networks are critical to “last mile” financial inclusion.