Gerhard Coetzee

Lead, Customer Value

Gerhard Coetzee leads the Customer Value Team at CGAP (responsible for the CGAP gender strategy, protecting vulnerable consumers, and women in rural and agricultural livelihoods). He is an Extraordinary Professor at the University of Stellenbosch Business School.

Before CGAP, Gerhard was Head of Inclusive Banking at Absa Bank (South Africa), responsible for its branchless banking proposition. He was the founder and Director of the Centre for Inclusive Banking in Africa, a Professor of Agricultural Economics at the University of Pretoria, technical lead, and CEO of a consulting firm (owned by DAI). He had several senior roles at the Development Bank of Southern Africa. His specialization areas are development finance, financial inclusion, agricultural finance and, rural development. He is published widely and worked in several countries, the majority in Africa.

Gerhard holds a Ph.D. in Agricultural Economics from the University of Pretoria, South Africa.

By Gerhard Coetzee


It’s Time to Change the Equation on Consumer Protection

For financial inclusion to work for the poor, it’s time to move beyond consumer protection frameworks that are more about protecting providers than customers.

Customer-Centric Guide

The CGAP Customer-Centric Guide explores challenges, strategies, and actions that lead to value for the business and for the customer.

The Business Case for Customer Centricity

Generating greater value for customers is good for business. Research from a developed market context has found that customer retention leads to a decrease in operating costs, while a decrease in customer satisfaction leads to a decrease in return on investment.

Customer Centricity and Financial Inclusion

Customer centricity provides significant opportunity for financial inclusion service providers to tackle and overcome the very real challenges that threaten their organizational sustainability and growth.This Brief touches on lessons learned about customer centricity in other industries.

How Absa Bank Empowered its Customers through Games

A case study from Absa Bank in South Africa demonstrates how games can help empower their customers and encourage them to use mobile financial services.