Naeha Rashid

Naeha Rashid is a research consultant for CGAP’s Inclusive Markets team. She specializes in conducting and using financial behavior "insight" research to influence market change. Naeha worked for Karandaaz Pakistan in 2014–2016, first as a core member of the company’s start-up team; later she oversaw research and launched and managed the Karandaaz Pakistan Blog. Naeha’s academic training is in economics, and she has a BA Honors in International Development from McGill University.

By Naeha Rashid


Applying the RIA Lite Methodology: An Example from Pakistan

This study looks at Pakistan’s nearly decade-old experience with regulating digital financial services (referred in the local context as branchless banking) as a test case for the RIA Lite methodology,

Digital P2G Initiatives: 5 Best Practices for Financial Inclusion

Person-to-government (P2G) payments receive considerably less attention from the global financial inclusion community than payments such as person-to-person or government-to-person. A new report aims to address this gap and to provide a roadmap for future P2G payment digitization efforts.

Advancing Financial Inclusion Through P2G Payment Digitization

Karandaaz Pakistan recently undertook the first-ever systematic review of digital person-to-government (P2G) payment efforts from across the globe. What did they find, and what are the implications for future P2G digitization efforts?

Unlocking Financial Inclusion Using Biometrically Verified SIMs

In 2015, Pakistan became the first country to leverage biometric SIM verification for remote mobile wallet account opening. We talked to members of the Banking Policy and Regulation Department at the State Bank of Pakistan to learn more about these developments and the exciting implications for financial inclusion.

Making Mobile Money Accessible in Pakistan

Mobile wallets could have a revolutionary impact on financial inclusion in Pakistan. However, success of this channel hinges on matching the abilities of the end users with appropriately designed products.