Gayatri Murthy

Financial Sector Specialist

Gayatri Murthy has spent a decade researching and consulting on what low-income people want and how digital technologies can help fill the gaps to financial inclusion. At CGAP, her work has focused on generating high-quality demand-side insights that can be applied to a range of topics from creating inclusive tech-based business-models to pro-poor data protection and privacy policy. Her continuing passion is to deploy a diverse toolbox of research methods to understanding the lives of low-income people, so that emerging insights compel us to transform policy, private sector and funding.

Gayatri also specializes in training financial institutions 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

Research

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.
Blog

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.
Blog

Emergency Relief for Small Businesses Requires a Targeted Approach

Here are some useful ways to segment the more than 160 million micro and small businesses in developing countries for more targeted, effective COVID-19 relief.
Blog

India’s Proposed Data Protection Bill Breaks from Notice and Consent

The proposed bill would mark a significant advance in rethinking how to protect digital consumer rights, putting India at the forefront of modern data protection regimes.
Research

Making Data Work for the Poor

The consumer consent model for data privacy and protection is broken. It’s time for a new data paradigm whereby financial services providers and data collectors take greater responsibility for protecting customers’ data.