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, Mr. Hernandez 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

How E-Commerce Is Transforming the Idea of the Rural Agent

E-commerce doesn't come up very often in conversations about agent networks for digital financial services - but it should.
Blog

It’s Time to Deregulate Agent Cash In/Cash Out

Agent regulations often treat agents like extensions of bank branches. But the reality is that many agents conduct a far more limited range of financial activities and should be regulated differently.
Blog

Client Registration: The Blind Spot in Agricultural Insurance

This agricultural insurance provider tripled its product registration rates in rural Nigeria by improving its registration process.
Blog

4 Regulatory Enablers for Digital Finance: A Gender Perspective

Unless policies consider gender, we risk leaving behind the most vulnerable in society, particularly women, limiting our ability to achieve the SDGs. However, if implemented with gender in mind, the basic regulatory enablers of digital finance can increase women's financial inclusion.
Blog

Building Rural Digital Ecosystems, One Small Payment at a Time

New research shows that digitizing everyday payments as person-to-person transfers can be a sustainable way for providers to reach customers in rural areas.