Kabir Kumar

Kabir Kumar leads Omidyar Network’s global policy and ecosystem building efforts. He is a former Senior Financial Sector Specialist at CGAP, where he led CGAP’s Digital Finance Plus initiative and coordinated efforts in key markets in South Asia. Kabir helped launch CGAP's program on technology-enabled business models for financial services and worked closely with some of the pioneering implementations in the mobile financial services space.

Kabir has been an adviser to banks, mobile network operators, technology companies, and investors in over 15 countries in Asia, Africa, and Latin America. His work has been quoted in numerous media outlets including CNN, The Banker, Economist, and NPR. He has a dual master's degree in public administration and international relations from the Maxwell School of Syracuse University. He can be found on LinkedIn and Twitter.

By Kabir Kumar

Blog

Customer Level Interoperability: A Story of Two Mobile Handsets

In our work on interoperability, we find that there are some questions that we are unable to adequately address at the platform and agent levels alone. For instance, the opening of USSD gateways by mobile operators may allow customers of one operator to access services of another operator without either platform interconnection or agent sharing.
Blog

Branchless Banking Interoperability and Agent Exclusivity

This is the third post in our series on interoperability and related issues in branchless banking and mobile money. Read the first post that presented the overall framework for the discussion and the second post that looked at the interconnection of mobile money platforms. Today, we discuss interoperability at the agent level as it relates to agent exclusivity. We include agent exclusivity in the topic of interoperability because it raises many of the same issues as platform interoperability.
Blog

Platform-level Interconnection in Branchless Banking

Platform-level interconnection is what most people have in mind when they think of interoperability in branchless banking. When we speak of interoperable platforms, we are referring to platforms that permit the transfer of funds from one mobile account to the mobile account of another service provider.
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Interoperability in Branchless Banking and Mobile Money

At the end of the day, we suspect interoperable systems will accelerate financial inclusion by allowing customers to use the infrastructure of multiple service providers to access their accounts. The question is how best do we get there?
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Banks Have Some Good News…Are They Listening?

CGAP, in partnership with the Inter-American Development Bank and Akya, a banking consultancy, recently completed some analysis on the business case for banks in branchless banking.