Silvia Baur-Yazbeck

Financial Sector Analyst

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, Ms. Baur-Yazbeck 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


4 Cyber Attacks that Threaten Financial Inclusion

Cybercrime is a growing problem for financial services providers and their customers in developing countries. Here are four attacks every provider should guard against.

3 Myths About Data Localization

Data localization is often pursued as a way to make financial data safer and easier for the government to access, but it can have unintended consequences for financial inclusion.

Traders in Refugee Camps: Overlooked Opportunity in Bulk Payments

Lolem Boyo Emilat is a trader in Kenya’s Kalobeyei settlement, where mobile payments have transformed her small business. Could bringing mobile money to more traders like Lolem be an overlooked opportunity to advance financial inclusion?

Accessible, Robust, Integrated: Identifying Good Payment Programs

An estimated 718 million recipients in developing economies are enrolled in cash transfer programs, more of which are going digital. This has not necessarily equaled greater financial inclusion. ISPA's Social Protection Payment Delivery Tool looks to make digital transfer programs more inclusive.

5 Ways an Emergency Mobile Wallet Can Lead to Financial Inclusion

Cash as aid offers recipients choice and dignity. The digitization of cash transfers can minimize risks of using cash in crisis environments and provide access to financial services that could help the poorest cope with shocks in the future.