Staff Directory

Marcel Beer Kremnitzer

Financial Sector Specialist

Marcel Beer Kremnitzer is a financial policy analyst with a background in regulation, innovation, payments, and financial market infrastructures (FMIs). He currently serves as a financial policy analyst at the OECD, seconded by the Central Bank of Brazil (BCB). Concurrently, at CGAP and the World Bank, he has provided consulting and advisory services on the interplay between competition in financial services, innovation, and financial inclusion.

Since 2015, Marcel has held various positions at the BCB, where he has contributed to the development of regulatory and knowledge frameworks concerning digital assets, cross-border payments, central bank digital currencies (CBDCs), and asset tokenization. He has represented the Bank in international forums, including the Bank for International Settlements (BIS) and the Committee on Payments and Market Infrastructures (CPMI). His earlier roles at the BCB include serving as a parliamentary advisor and a conduct supervisor. In these capacities, he provided analytical support on draft legislation with potential implications for the Brazilian financial sector and led both on-site and remote inspections related to financial consumer protection.

Marcel holds graduate degrees in Economics from Panthéon-Sorbonne University and a Digital Economics from Paris Dauphine University. He speaks English, French, Portuguese, and Spanish.

By Marcel Beer Kremnitzer

Research

Advancing Competition for Financial Inclusion: Six Policy Considerations for Financial Sector Authorities

This Focus Note provides practical policy considerations for financial sector authorities to act on competition concerns using their existing mandates and regulatory toolkit. By applying a competition lens, authorities can promote competition in ways that advance financial inclusion while safeguarding stability, integrity, and consumer protection.
Blog

Competition in Financial Services: Three Country Paths, One Bigger Question

While access to finance has grown, market concentration and high costs remain. Brazil, India, and the UK prove that when financial regulators prioritize competition through policy, they can lower prices and improve variety for all consumers.
Research

Competition for Financial Inclusion: A Conceptual Framework

The insights in this paper point to the importance of financial authorities applying an intentional competition lens and offer an analytical framework to help deliver more inclusive and resilient financial systems.
Blog

Competition as a Catalyst for Financial Inclusion

Healthy competition in the financial sector is essential for advancing financial inclusion, as it lowers costs, spurs innovation, improves access and service quality—especially for underserved populations.