Naeha Rashid

Naeha Rashid has worked in the fields of technology policy, financial inclusion, and social entrepreneurship for the last several years. She is passionate about leveraging technology solutions to improve the quality and character of people’s lives. While a 2019–20 digital governance fellow at Harvard Kennedy School’s Ash Center, Naeha analyzed issues related to technology and innovation in government. Previously, Naeha worked for CGAP, housed at the World Bank Group, leading her team’s work in Pakistan to catalyze innovation and scaling of digital financial services. She was also a core member of the start-up team for Karandaaz Pakistan, an organization funded by the Bill and Melinda Gates Foundation. Naeha holds a Master in Public Policy from the Harvard Kennedy School and undergraduate dual degrees in International Development (honors) and Economics from McGill University.

By Naeha Rashid


Pakistan: Gender-Intentional Policy Can Make Agent Banking Work Better

Many women in Pakistan remain financially excluded, partly because social norms limit their access to banking agents. Policy makers and regulators can help change this with a gender-intentional approach to agent banking.

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.