Patrick Meagher

Patrick Meagher has worked for several years as a senior consultant with CGAP on the regulatory dimensions of financial inclusion. His research and advisory role focuses on ways to bring digital financial services safely within reach of vulnerable groups such as rural dwellers, women, and displaced populations. He has extensive prior experience in providing legal and policy advice related to microfinance and small enterprise credit. He also has worked on public sector governance, including frameworks of accountability in regulatory bodies, national and local public administrations, and transitional governments in the wake of conflict. 

Patrick has worked in nearly all regions of the world and with a diverse array of agencies and governments, beginning as a U.S. Peace Corps Volunteer in Africa. He has written articles that have appeared in publications on law, economics, public policy, and international development. 

He holds a Juris Doctor from Harvard Law School and degrees in philosophy and international relations.

By Patrick Meagher

Research

Responsible Digital Credit: Frontier Solutions for Authorities and Providers

CGAP compiles over 160 global initiatives that address consumer risks in digital credit, from overindebtedness to data misuse. Designed for authorities, providers, and support organizations, this Technical Guide offers a roadmap of solutions to build more customer-centric, risk-conscious and responsible digital credit ecosystems.
Research

Gender Norms and Financial Regulation: The Case for Gender Lens Regulatory Analysis

To advance women’s financial inclusion, financial regulators must recognize that men and women experience the financial sector differently. This working paper provides a framework to assess how regulation can impact men and women differently. It aims to motivate regulators to move from gender-blind, to gender intentional approaches.
Blog

How Can Regulators Enable Last-Mile Agent Networks?

Extensive and inclusive cash-in/cash-out (CICO) agent networks are key to ensuring DFS access in rural areas. Regulators play an essential role here by enabling DFS providers to innovate agent network models that are sustainable in rural areas.
Blog

Regulating Platform-Based Finance: Seeing the Big Picture

The scale and scope of platform-based finance extends beyond the powers of a single regulator – cooperation across agencies will be essential.
Blog

Platform-Based Finance: How Can Regulators Preserve Competition?

As big tech platforms enter the financial services space, they could potentially undermine competition in ways that set back financial inclusion. How can regulators preserve healthy competition and harness the potential of platform-based finance?