Silvia Baur-Yazbeck

Financial Sector Specialist

Silvia Baur-Yazbeck works on the CGAP team that focuses on the role of financial services in supporting climate resilience and adaptation, which aims to understand how vulnerable people manage climate related risks, how financial services support their adaptation and resilience strategies, and what actions financial sector stakeholders can take to make financial inclusion a more effective enabler of climate adaptation and resilience. In addition, it aims to ensure that global progress on financial inclusion does not recede as climate change impacts increase the risk and cost of serving people living in poverty. Currently, Silvia leads CGAP’s effort to identify effective approaches for funders and governments to leverage inclusive finance as a means to achieve climate adaptation and resilience goals and mobilize the private sector in delivering climate-responsive financial services to vulnerable populations. 

Before that, Silvia led CGAP’s work on more modern and recipient-centric approaches to delivering government-to-person payments. The concept of introducing a choice-based payment system emerged from her deep insights into consumer experiences with digital financial services and her work on financial consumer protection regulation. She also worked on understanding and identifying solutions to better manage cyber risks in the financial inclusion sector. Her work included the launch of a stakeholder initiative focused on exchanging good practices, information and learnings and the development of a business plan for regional cybersecurity resource centers. At CGAP, Silvia has taken a specific focus on developing guidance for development funders and policymakers, promoting a more holistic approach in identifying and addressing financial inclusion challenges with a market systems lens. This included deep engagements with financial inclusion funders to assess how well they are set up internally to support financial inclusion and achieve global development goals and research to better understand how gender lens investors can be more effective in supporting women’s financial inclusion and addressing social norms.

Before joining CGAP, Silvia consulted on private sector development and financial inclusion with GOPA Consultants in Germany, the Gesellschaft for International Zusammenarbeit mbH in Ghana, CERISE Microfinance in France, and Oikocredit in Central America. She has a Master’s degree in International Development Studies from Philipps-University in Marburg, Germany. Silvia is fluent in English, Spanish, French and German.

By Silvia Baur-Yazbeck


Financial Inclusion: An Entry Point to Climate Adaptation for Funders

Development funders are thirsty for guidance and good practices on funding for climate adaptation, not just mitigation. Here, we discuss how funding to support inclusive financial systems may be a great place for them to start.

Inclusive Finance Can Help the World Achieve COP26 Goals – Here’s How

Amid the talk of national climate plans, net zero timelines, and the Paris rulebook, we should not forget about the need for practical tools — including financial services — that enable low-income populations to participate in the climate transition.

Development Funders and Inclusive Fintechs: Analyzing One Decade of Funding Flows

Are development funders providing catalytic support that helps build inclusive fintech markets? This slide deck analyzes a decade of funding flows into the fintech sector.

The Benefits of G2P Choice: Zambia Leads the Way

In 2017, Zambia introduced a government-to-person (G2P) payments model that lets beneficiaries choose the provider they want to use to receive their payment. Today, the benefits to the recipients, providers and government are clear.

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.