Kazuto Tsuji Kazuto Tsuji is a Visiting Senior Advisor at JICA and the chair of the CGAP Executive Committee. By Kazuto Tsuji Blog23 November 2015 The Five Most Dramatic Changes in 20 Years of Financial Inclusion Since CGAP was formed 20 years ago, there have been dramatic changes in the progress of financial inclusion. Blog16 September 2015 Do We Need a Financial Inclusion Paradigm Shift? Shifting to a market systems approach to funding financial inclusion has been a challenge, although effective, for JICA. Blog30 October 2013 Public Funds Should Catalyze, Not Crowd Out, Private Investment Once a private financial market is well-developed, public funding should be aimed at catalyzing private investment at an affordable price and crowding-in more private financial providers.