Gayatri Murthy

Financial Sector Specialist

Gayatri Murthy leads CGAP’s work on platform worker livelihoods. She specializes in inclusive fintech and ensuring technological innovation in finance is correctly harnessed to solve the needs faced by underserved consumers and small businesses. Her work has focused on improving research methods to better understand the lives of low-income people, so that emerging insights compel us to transform policy, private sector and funding. She also specializes in training financial institutions to build customer-centric business models and 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, Gayatri worked for 6 years in market research, including leading nationally representative surveys, impact evaluations, and qualitative studies on financial inclusion, education and civil society building, in South Asia and Sub-Saharan Africa. She began her career at GiveIndia, a platform to promote efficient and effective giving in India.

Gayatri 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


Women in the Platform Economy: Emerging Insights

Millions of women work in the platform economy but often face barriers that prevent them from capturing platform-based opportunities. Learn about female workers’ experiences and how financial services can help make platforms more inclusive.

How Can Financial Services Support Platform Work? Insights from Five Emerging Markets

Based on research with platforms and their workers across five countries, this report describes the platform ecosystem in emerging markets, the experiences of workers and sellers in key sectors, and how financial services can help these workers improve their livelihoods.

Financial Inclusion is Key to Fulfilling the Promise of Platform Work

As platforms transform the nature of work in emerging markets, embedding financial services for workers into platforms is pertinent and could point to pathways for including the greater informal economy as well.

Fintech and Financial Inclusion: A Funders' Guide to Greater Impact

This practical guide, based on two years of global research, describes how development funders can identify promising fintechs and maximize the impact of their support.

How Can Financial Services Support Platform Workers?

The important question about platform work isn’t so much whether it is good or bad: it’s whether there are ways to make it better. Here are three reasons why CGAP is looking at how financial services could help improve platform workers' livelihoods.