Rashmi Pillai

Rashmi Pillai is a digital financial services specialist with CGAP. Ms. Pillai has 13 years of experience in digital financial services, social enterprise and impact investing. She has worked with regulators, private sector entities and development partners across multiple South Asian and East African countries. Ms. Pillai's digital finance advisory efforts have ranged from guiding policy makers on payment digitization, Fintechs on cash-in, cash-out agent placement, mobile network operators on merchant payments, to bankers on shared agency banking.

Ms. Pillai is also the co-founder of the Sankalp Forum, one of the largest social impact forums in the world that began in India in 2009 and today has expanded to multiple Asian and East African countries.

Ms. Pillai is a Fulbright Scholar and holds a post-graduate degree in public policy from Harvard University’s John F. Kennedy School of Government. She also holds a Masters in Spectroscopic Physics and a Bachelors in Physics from India.

By Rashmi Pillai


The Case for Off-Grid Solar Companies as Mobile Money Agents

Off-grid solar companies could boost revenue and reach more low-income customers by becoming master mobile money agents in remote areas.

Building Payment Rails in Frontier Areas Through Off-Grid Solar

Many off-grid solar companies are familiarizing customers with digital payments and helping them find mobile money agents. Should they go a step further and start managing agent networks?

Digitizing Agricultural Payments: Uganda's Coffee Value Chain

This is the story of how the United Nations Mobile Money for the Poor in Uganda worked with a coffee exporter to digitize one of the country’s most important cash crops. Learn about the dynamics of digitizing agricultural value chains and how organizations from different sectors worked to digitize Uganda’s coffee value chain.

Merchant Payments: What About the Customers?

Shifting retail payments away from cash to digital instruments will require strong buy-in from end customers, who tend to like cash. How might they be persuaded?

Merchant Acquiring: Why Winning Is the Wrong Approach

Competition is heating up among digital financial services providers looking to stake a dominant position in the $35 trillion global retail payments market. But this could be a market where cooperation will be as important as competition for success.