William Cook

Senior Financial Sector Specialist

Based in Nairobi, William Cook works on payments systems, interoperability in digital financial services, and the development of CGAP’s learning agendas across Africa and Asia.

Before joining CGAP, William worked as an independent consultant to digital financial services clients across South Asia and the Middle East. He has worked on business models for over-the-top services, open data, and digital advocacy for refugee populations. He also spent six years with Ernst & Young LLP, working across the firm’s data analytics, advisory, and audit practices for financial services clients.

William is a Certified Public Accountant. He has a Master’s degree in Public Administration from the Harvard Kennedy School, a Master’s degree in Information Systems from Michigan State University, and a Bachelor’s degree in Accounting from Michigan State University.

By William Cook

Blog

Is Financial Inclusion a Reason to Push Central Bank Digital Currencies?

Advocates of Central Bank Digital Currencies (CBDC) often cite financial inclusion as a reason to introduce them. CGAP examines their three main arguments: improved access to digital financial services, enhanced efficiency of payments and lower cost.
Blog

Comparing India’s UPI and Brazil’s New Instant Payment System, PIX

Many countries are pressing forward with new systems to enable better, faster digital payments. Brazil's instant payment system, PIX, is among the newest and most exciting. How does it compare to India's well-known UPI system?
Research

Building Faster Better: A Guide to Inclusive Instant Payment Systems

Interoperability can make digital payments more convenient for customers and encourage competition in financial services. This technical guide is a practical resource for policy makers, providers, and others working toward interoperability in instant payments.
Research

Interoperability and Digital Finance: Emerging Guidance for Funders

This technical note helps funders to understand the concept of interoperability, how instant payments systems can advance financial inclusion, and what funders can do to support their development.
Research

(Un)stacking Financial Market Infrastructure

Challenges around scaling effective financial infrastructures are not small, but when addressed effectively, a system can emerge that improves the value of financial services for poor people.