Michel Hanouch

Senior Financial Sector Specialist

Michel Hanouch works at AWS, where he advances financial inclusion through the use of tech-enabled product and business model innovation. Previously, he led CGAP’s work on open APIs in financial inclusion, which aimed to open existing digital rails to FinTechs and other third-party innovators.

Michel has worked with banks, FinTechs, mobile network operators, card “associations,” regulators, and donors across a range of countries, primarily in Sub-Saharan Africa, South Asia, and South East Asia. He has lived and worked in the United States and the United Kingdom. Before joining CGAP, Michel was a manager at Genesis Analytics, an economics-based strategy consulting firm.

Michel has a Master’s degree in Economics, and an Honour’s degree in Economic Science, both from the University of Witwatersrand. He is based in Johannesburg, South Africa.

By Michel Hanouch


MTN Mobile Money Opened APIs – Was It Worth It?

MTN launched open APIs for its mobile money service in 2018. Today, its APIs are being used by over 900 partners to offer everything from pay-as-you-go solar to e-commerce apps — generating revenue and new use cases for financial services.

Considering Open APIs for Digital Finance? 5 Things You Need to Know

APIs are at the heart of many innovations in fintech. Over the past four years, CGAP has supported several financial services providers on their journey to open APIs. Here are our top five lessons for providers that are thinking about opening APIs.

How India’s Paytm Created More Demand for Its Payments APIs

Paytm, India's largest digital financial services platform, processes millions of dollars via its open APIs. But success with open APIs didn't happen overnight. Learn about the company's innovative approach and why it's paying off.

Beyond Hackathons: Reaching Developers with Your Digital Finance APIs

Hackathons aren't the only way for a digital financial services provider to engage third parties with its open APIs.

How to Engage Third Parties with Your Open APIs

This slide deck describes different third-party segments a provider may want to target with APIs and introduces engagement strategies and activities that may be effective with these segments.