The Systemic Approach: A Framework for Sustainable Change


18 June 2019 9:00 am - 10:00 am EDT
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How can funders and implementers of financial inclusion programs generate sustainable change? CGAP advocates a systemic approach to financial inclusion that considers all aspects of a market system and nudges market actors to take up missing or weak market functions. This approach requires a conscious rethinking of everything from market diagnostics to program design and monitoring.

Speakers covered designing for and monitoring systemic change with the Adopt-Adapt-Expand-Respond (AAER) framework, and examined the systemic approach in action using real examples from Kenya and the Philippines.

Event Resources

Webinar presentation >>

CGAP Collection of resources on systemic approach >>

CGAP’s free eLearning course >>


Alice Negre

Alice Nègre | Senior Financial Sector Specialist | CGAP

Alice works on CGAP’s guidance for financial inclusion funders. In recent years, she has focused on promoting a systemic approach to financial inclusion by adapting generic guidelines and training material to the financial industry. She recently helped author A Systemic Approach to Financial Inclusion, an eLearning Course for Funders which learners can sign up for.

In her 19 years working in financial inclusion, Alice has launched and managed a microfinance rating agency, advised governments, sat on the board of microfinance institutions and advised SME banks, supervised demand side surveys, and facilitated market-wide consultations. She graduated from ESCP, Paris. She lives in London and speaks French.

Molly Tolzmann

Molly Tolzmann | Financial Sector Analyst | CGAP

Molly works on CGAP member relations, governance, reporting, and research on financial inclusion funding and sector trends.

She previously worked with CGAP’s Communications team, focusing on visual design and digital engagement. Before joining CGAP, she designed print and digital learning products for the SEEP Network, focusing on savings groups and microfinance associations, and supported SEEP’s annual conference. She has worked on visual ethnographies and conducted qualitative research for an array of global field sites.

Molly has a Master’s degree in Social Sciences from the University of Chicago and a Bachelor’s degree in Global Studies from the University of Minnesota.