Maria Fernandez Vidal

Senior Financial Sector Specialist

Maria Fernandez Vidal is a Senior Financial Sector Specialist and has led CGAP’s Data team since its establishment in 2020. She leads CGAP’s work on open finance and AI and was the lead author for the Key Considerations for Open Finance, a joint publication by CGAP, the BIS, the IMF, the UNSGSA’s office and the World Bank. Her work focuses on the role of data in advancing financial inclusion and financial health, covering both the public and private sectors.  She has also led work on fintech innovation, platforms and advanced analytics.

Before joining CGAP, Maria spent five years at McKinsey & Company advising financial and public sector clients on strategy, risk, operations, and organizational transformation. She previously worked at the Inter-American Development Bank (IDB) and the International Monetary Fund (IMF).

Maria holds an MBA from The Wharton School at the University of Pennsylvania, with a double major in strategic management and finance, and earned both her undergraduate and graduate degrees in economics from Universidad Torcuato Di Tella.

By Maria Fernandez Vidal

Blog

Personal Financial Management Tools Can Boost Financial Health in India

Personal financial management (PFM) apps are emerging as a potential driver of improved financial health. By aggregating data across accounts and generating real-time insights, they promise personalized financial advice. But how is this translating into meaningful outcomes for users?
Blog

Finance Meets AI: Considerations for Public Authorities

How can public authorities support the financial sector to harness the power of AI while ensuring it operates within safe and ethical boundaries? Here, we propose three key considerations that could enable the responsible use of AI in finance. 
Blog

Key Regulatory Developments for AI in Finance

AI is not a novel concept in finance; so, what is driving renewed interest in addressing regulatory gaps around the technology? CGAP desk research covering more than 100 jurisdictions identified five key global developments in AI regulation.
Blog

Convenience Drives Rapid Adoption of Account Aggregators in India

Open finance in India has grown rapidly, with a significant rise in linked accounts through Account Aggregators (AAs). New CGAP research offers insights on key drivers of AA adoption and areas for improvement to enhance customer experience.
Research

The Role of Data in Inclusive Insurance

With 3.8 billion people in emerging markets lacking adequate insurance coverage, data plays a crucial role in enabling insurers to comprehend these segments' specific needs and risk profiles. This, in turn, helps develop more accurate risk assessment and pricing models for inclusive insurance offerings.