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

E-Commerce Is Taking Off in Rural China: 3 Lessons for Other Countries

China's e-commerce market has $2 trillion in annual sales and is growing as digital services reach rural areas. CGAP visited several villages and spoke with farmers and manufacturers about e-commerce. Here's what we learned.
Research

Is Data Privacy Good for Business?

Do poor customers value data privacy? Six experiments in India and Kenya indicated they do and are willing to pay for it. For providers, this suggests that offering products with privacy and protection features can give them a competitive market edge.
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

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

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.