Gayatri Murthy

Financial Sector Specialist

Gayatri Murthy has spent nearly 10 years researching and consulting on what low-income people want and how digital technologies can help fill the gaps to financial inclusion. At CGAP, she is leading research on how FinTech startups can catalyze financial inclusion. She is also working with policy makers to ensure data protection and privacy policy empowers customers and supports responsible innovation. Ms. Murthy also specializes in training financial institutions to generate high-quality customer insights and then use them to build customer-centric business models. She has trained staff of financial institutions in workshops around the world, including at trainings organized by the Boulder Institute for Microfinance, the Social Performance Task Force, and the Aga Khan Agency for Microfinance.

Before joining CGAP, Ms. Murthy worked at Intermedia, where she conducted nationally representative surveys, impact evaluations, and qualitative studies on the role of digital technologies in financial inclusion and civil society building. She also worked at GiveIndia, a platform to promote efficient and effective giving to the poor in India. She has a Master’s degree in International Communication from the School of International Service at American University in Washington, D.C., and a Bachelor’s degree in Economics from St. Xavier’s College, Mumbai, India. She is fluent in Hindi.

By Gayatri Murthy


6 Data Protection Rights for Empowering People in the Digital World

The digital economy presents an opportunity to provide greater rights to individuals exactly when it matters.

3 Data Protection Approaches That Go Beyond Consent

Consent forms are the backbone of data protection efforts worldwide, but there’s a problem: no one reads them. To protect people’s data, policy makers must go beyond consent.

Data Protection and Financial Inclusion: Why Consent Is Not Enough

As the digital age progresses, consent is becoming a less meaningful way to protect people's rights over their data.

The Time for Data Protection Legislation Is Now

Data protection concerns are growing in emerging markets. Here are some data protection challenges that should be on policy makers' radars.

FinTech Partnerships: Choose Carefully, Then Evolve

FinTech startups in developing markets are leveraging partnerships to reach customers as diverse as women's savings groups, dairy cooperatives and smallholder farmers.