Sai Krishna Kumaraswamy

Sai Krishna is a consultant at CGAP, where he works on Financial Innovations for Development (FI4D). As a financial inclusion researcher, he studies emerging, innovative business models that empower low-income customers through financial services. His research interests span digital finance, financial inclusion strategies, market approaches to development, SDGs, development finance and the future of finance. Sai has seven years of emerging market experience in consulting. He has advised clients across several sectors including financial services, energy, infrastructure, manufacturing, education and the public sector. He has extensive experience in accounting, corporate and project finance, transaction structuring, investment advisory services, management consulting and research. He obtained an MA in Political Economy and Development Economics from the Fletcher School at Tufts University and B.Com in Finance & Accounting from St. Joseph’s College, Bangalore University. He is also a licensed chartered accountant. 

By Sai Krishna Kumaraswamy


Emergency Relief for Small Businesses Requires a Targeted Approach

Here are some useful ways to segment the more than 160 million micro and small businesses in developing countries for more targeted, effective COVID-19 relief.

Financial Services for Health: Treating the Cause

Health expenses push 100 million people into extreme poverty each year. While private sector innovation can play an interim role in financing out-of-pocket expenses, the long-term focus should be on making poor people resilient to health shocks.

Assets Matter to Poor People

CGAP has undertaken a comprehensive review of the available evidence to understand (i) how asset ownership can lead to improvements in well-being for poor households and (ii) whether obtaining an asset through a loan or lease as opposed to a transfer, grant, or outright purchase affects the benefits associated with ownership.

2 Financial Services That Increase Smallholders’ Food Security

Evidence from around the world shows that savings and insurance help smallholder farmers to reduce hunger and manage production risks.

3 Ways Financial Inclusion Improves Women’s Food Security

There is evidence that financial inclusion improves food security for women in at least three ways.