Joep Roest

Senior Financial Sector Specialist

Joep Roest is based in Paris and leads CGAP’s work on Social Protection which seeks to understand how, through financial services, it can enhance the climate resilience and adaptation of recipients.  

He was previously based in Singapore where he represented CGAP in East Asia with most of his time being devoted to Myanmar, Bangladesh, Indonesia, and China. During that time, he focused on optimizing Government to Person Payments (G2P) for recipients and studying the opportunity that digital platforms presented for improving the financial lives of the poor. 

Before joining CGAP, Joep helped establish Wing mobile money in Cambodia. He later moved to Papua New Guinea to work on UNCDF’s mobile money project spanning the South Pacific. He then spent four years as a member of Queen Máxima’s team at the United Nations, where amongst other things, he coordinated advocacy efforts aimed at enshrining financial inclusion within the Sustainable Development Goals (SDGs).

By Joep Roest


Digitizing G2P Payments: Lessons from Indonesia

Indonesia's digitization transformation for G2P payments showcases what can be achieved when strong government commitment and collaboration are combined with advanced technologies.

Lessons From 4 Examples on the Leading Edge of Climate-Focused G2P

All G2P programs contribute to climate adaptation to some extent, with examples in India, Ethiopia, Kenya, and the Philippines showing us how specific program design features can support greater climate adaptation for recipients and their households.

Climate-Focused G2P: Beyond Disaster Response

The current focus of G2P programs on emergency response is insufficient to support long-term climate change adaptation. Long-term adaptation must be considered, and designed into programs, to reduce intergenerational vulnerability to climate change.

G2P Recipients Are Worth Competing For

Open G2P systems have great potential to connect recipients with a host of PSPs from which they can choose to receive their transfers. TymeBank realized the profitability potential of G2P customers and turned it into a core aspect of their strategy.

Findex and G2P: Are Transfers Translating to Inclusion at Scale?

Governments are enrolling the unbanked into the formal financial system at scale in EMDEs, primarily to facilitate government-to-person (G2P) payments, but do all these accounts with funds flowing into them amount to financial inclusion? Not yet.