Maria Fernandez Vidal

Senior Financial Sector Specialist

Maria Fernandez Vidal is a Senior Financial Sector Specialist with CGAP’s Emerging Business models pillar, where she leads work on platforms and digital data. She has also worked substantially on Fintech and Advanced Analytics.

Before joining CGAP, Ms. Vidal was a Senior Engagement Manager at McKinsey & Company working in Latin America & the Caribbean and the US. At McKinsey, she served clients in the financial sector and the public and social sector on a broad range of topics including strategy, risk, operations and organization. Ms. Vidal previously worked at the Inter-American Development Bank (IDB), the International Monetary Fund (IMF) and Endeavor.

Ms. Vidal holds an MBA from The Wharton School at the University of Pennsylvania with majors in strategic management and finance, and graduate and undergraduate degrees in economics from the Universidad Torcuato Di Tella.

By Maria Fernandez Vidal

Blog

Algorithm Bias in Credit Scoring: What’s Inside the Black Box?

Computers can make faster, better, and less biased lending decisions than humans, but only if human bias hasn’t crept into their algorithms.
Research

Using Satellite Data in Financial Inclusion

Financial services providers that see an opportunity to reach financially excluded people in rural areas can use new technology to remotely gather and analyze data on potential customers. This guide explains foundational concepts of machine learning and how FSPs can apply those methods.
Research

Credit Scoring in Financial Inclusion

Statistical models can help lenders in emerging markets standardize and improve their lending decisions. This guide emphasizes that the effectiveness of data analytics approaches often involves building a broader data-driven corporate culture.
Research

Data-Driven Segmentation in Financial Inclusion

Financial services providers can improve their businesses by using segmentation to develop a more accurate understanding of their customers. This guide shows providers how they can use data analytics to understand their customers by performing more complex analyses and extracting insights that were previously hidden.
Research

Fintechs and Financial Inclusion

Based on pilots with 18 fintechs across Africa and South Asia, this paper identifies emerging fintech innovations with potential to improve the lives of the poor. It also highlights common challenges faced by early-stage fintechs.