Global Landscape: Data Trails of Digitally Included Poor (DIP) People


17 May 2023 9:00 am - 10:00 am EDT
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The increased digitization of the economy opens opportunities to use data trails to serve low-income people – many generate rich data trails that are not being fully leveraged in the design and delivery of financial services. CGAP's new reading deck puts a spotlight on the specific data trails generated by DIP people, the sources of these data trails, and variations of data trails across different segments. DIP people are currently being underserved by financial institutions, and this could be addressed by leveraging their digital data. This research provides quantitative evidence of the growing availability and relevance of data trails that should pave the way towards greater financial inclusion.
In this webinar, the authors will present the main findings from this research and shed light on the gender gaps and other trends identified in the data trails of DIP people. Following the presentation, there will be a moderated panel discussion with panelists who represent our different target audiences, specifically, researchers, funders/investors, and financial service providers. 

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Introductory Remarks

Chief Executive Officer

Sophie is the CEO of CGAP, an international partnership housed in the World Bank Group, dedicated to promoting inclusive financial ecosystems that enable a green, resilient, and equitable world for all.  

Sophie has dedicated her professional career to the development of inclusive and sustainable financial ecosystems around the world, with more than twenty years of experience at the World Bank, where she has held different positions, including Director of Strategy and Operations at the Independent Evaluation Group (IEG) and Director for the Caribbean region. Previously, Sophie worked as an expert in financial sector development and stability in Europe, Latin America, and Asia. Among others, she led various Financial Sector Assessment Programs (FSAPs) in various countries in Europe, Central Asia, and Latin America, and she was the Manager who led the World Bank's response to banking crises in various countries of the European Union during the global financial crisis of 2008-2011.

Prior to joining the World Bank, Sophie worked in JP Morgan's Financial Institutions (FIG) team on Mergers and Acquisitions (M&A) in Europe, and for Halcrow Fox and Associates' Infrastructure team. Sophie holds a Masters in Economics from the London School of Economics (LSE).



Buhle Goslar is a technology operating executive with deep expertise in inclusive finance. She is currently JUMO's CEO for the Africa Region. Over the past two decades, her work has covered an array of markets in Sub-Saharan Africa, Europe, and Asia, in sectors spanning; financial services, technology, retail, and tourism. 
Buhle is a certified retail banker and currently serves on the boards of e-commerce company Copia and the gender equity advocacy platform WIMA. An avid researcher, her research interests include; the regulation of inclusive data-driven financial services, gender-responsive financial product design, online entrepreneurship in Africa, financial justice, customer protection and empowerment. In 2019, Buhle was named as one of South Africa’s Inspiring Fifty Women in Technology. She is also the 2021 Accion Claugus Award Winner for Advancing Financial Inclusion. 
Buhle holds a BCom Marketing Degree from UNISA and an Executive MBA from the Graduate School of Business at the University of Cape Town. She has also completed postgraduate management programmes in Inclusive Finance, Digital Finance and Social Impact at Harvard Business School, TUFTS Fletcher School of Law & Diplomacy and Oxford Saïd Business School, respectively.

Partner, DFS Lab

Jake is co-founder and partner at DFS Lab and early stage investor supporting companies who are creating the digital commerce infrastructure in Africa. He has been investing in African digital platforms since the launch of M-Pesa a decade ago both at the World Bank and then the Gates Foundation. At Gates, his team invested over $1B in mobile money and digital payments projects around the world including leading players like bKash in Bangladesh, and M-Pesa and Equity Bank in Africa. Jake has a BS in Physics from MIT and a PhD in Economics and his academic research work has focused on low income populations and their usage of digital services.


Financial Sector Specialist

Arisha Salman is a Financial Sector Specialist with CGAP’s Finance for Inclusive Development outcome area. Her work is focused on unlocking how Data can enhance the value of financial services for low-income and underserved individuals with a focus on the development, implementation, and scale-up of Open Finance frameworks as well as on closing gender gaps at the country level. Arisha was also a member of the team that developed the Strategy for CGAP VII. She previously supported CGAP’s work on Digital Business Models with a focus on Inclusive Digital Banking and the Digital Divide.

Before joining CGAP, Arisha worked for over five years on digital financial inclusion, SME development and gender mainstreaming in South and Southeast Asia. She has held positions as a Management Consultant with the Financial Services Practice at PricewaterhouseCoopers and with the Gender Equity Thematic Group at the Asian Development Bank. Arisha holds a master's degree in public administration from Columbia University’s School of International and Public Affairs and an undergraduate degree in Economics from the University of Delhi. She is fluent in Hindi and Urdu.

Senior Financial Sector Specialist

Maria Fernandez Vidal is a Senior Financial Sector Specialist, leading CGAP’s work on Data. Her work is focused on the role data can play in advancing financial inclusion and covers a range of topics including data-driven business models and open finance. She has also worked substantially with fintechs, platforms and advanced analytics. Before joining CGAP, Maria was at McKinsey & Company, working in Latin America & the Caribbean and the US. At McKinsey, she served clients in the financial sector and the public and social sector on a broad range of topics including strategy, risk, operations and organization. Maria previously worked at the Inter-American Development Bank (IDB), the International Monetary Fund (IMF) and Endeavor.

Maria holds an MBA from The Wharton School at the University of Pennsylvania with majors in strategic management and finance, and graduate and undergraduate degrees in economics from the Universidad Torcuato Di Tella.


Reading Deck

Many low-income people generate rich data trails that are not being fully leveraged in the design and delivery of financial services. CGAP's reading deck puts a spotlight on the specific data trails generated by digitally included yet poor people, the sources of these data trails, and variations of data trails across different segmentations.

Women are lagging behind men in digital access and the generation of digital footprints, which can lead to further disadvantages in financial access and usage. We discuss how financial service providers and authorities can address these gaps.