Joep Roest

Senior Financial Sector Specialist

Joep Roest is based in Paris and leads CGAP’s work on Social Protection which seeks to understand how, through financial services, it can enhance the climate resilience and adaptation of recipients.  

He was previously based in Singapore where he represented CGAP in East Asia with most of his time being devoted to Myanmar, Bangladesh, Indonesia, and China. During that time, he focused on optimizing Government to Person Payments (G2P) for recipients and studying the opportunity that digital platforms presented for improving the financial lives of the poor. 

Before joining CGAP, Joep helped establish Wing mobile money in Cambodia. He later moved to Papua New Guinea to work on UNCDF’s mobile money project spanning the South Pacific. He then spent four years as a member of Queen Máxima’s team at the United Nations, where amongst other things, he coordinated advocacy efforts aimed at enshrining financial inclusion within the Sustainable Development Goals (SDGs).

By Joep Roest

Blog

Smartphones Are Common in Myanmar: Is Digital Finance Far Behind?

Smartphone penetration of 80 percent and low bank account access suggest that digital financial services will take off in Myanmar. China’s experience may offer clues about how and when this will happen.
Blog

QR Codes and Financial Inclusion: Reasons for Optimism

QR codes are gaining traction in China as a way to make digital payments, but will they catch on in other countries?
Blog

What Can Mobile Money Make Possible? China Has Many Answers

What's the secret to Alipay and WeChat Pay's success in mobile payments? Creating in-app universes of bundled services has played a big role by making mobile payments more useful to customers.
Research

China's Alipay and WeChat Pay: Reaching Rural Users

This Brief explores the emergence, similarities, and differences between China's Alipay and WeChat Pay and the affects these elements may have on the way they compete in the rural arena.
Blog

Inside QR Codes: How Black & White Dots Simplify Digital Payments

QR codes last year facilitated $2.5 trillion in retail payments in China, and their use is gaining momentum in countries like India. But how do they work? And what is their potential to increase financial inclusion?