Silvia Baur-Yazbeck

Financial Sector Specialist

Silvia Baur-Yazbeck works on data protection and privacy, government-to-person payments, and technical guidance for CGAP members. At CGAP, she has worked on consumer and behavioral research for responsible financial services, systems, and regulatory frameworks. She works on risks emerging from the digitization of financial services and the growing interconnectedness of financial and other systems. One specific focus of her work is cyber security and fraud management.

Before joining CGAP, Silvia consulted on private and financial sector development in developing markets with GOPA Consultants, GIZ Ghana, CERISE Microfinance, and Oikocredit in Nicaragua and Germany.

She has a Master’s degree in International Development Studies from Philipps-University Marburg and a Bachelor’s degree in International Business and Intercultural Studies from Heilbronn University, Germany. She speaks German, Spanish, and French.

By Silvia Baur-Yazbeck


How Financial Services Can Help the Poor in the Climate Transition

Early evidence suggests that the financial sector could play a key role in helping low-income people prepare for and participate in climate transition. However, greater coordination among funders and other sector stakeholders is needed.

Regional Centers Can Help Low-Income Countries Build Cyber Resilience

By pooling resources and establishing shared regional cybersecurity centers, low-income countries could better respond to the rising threat of financial cybercrime in developing economies.

Digital Finance: Cybersecurity Requires Deeper Industry Collaboration

Cybercrime poses a significant threat to financial inclusion. Here are two things mobile financial services providers and industry associations must do to make financial services safer and more trustworthy for low-income customers.

Risk Alert: Development Community Support Needed for Cybersecurity

Here are four things the development community can do to improve cybersecurity as digital financial services expand in developing countries.

A New Generation of Government-to-Person Payments Is Emerging

Advances in payment infrastructure are enabling governments to channel payments through multiple providers, giving people greater choice over how to receive payments. This is an important shift with implications for financial services providers, recipients of government payments and financial inclusion.