Mark Pickens

Mark Pickens is a Director of Emerging Market Solutions at Visa Inc. He’s based in Kigali, where he is part of the team working on the launch of an interoperable mobile money ecosystem in Rwanda. Mark joined Visa in 2011 with a decade of experience designing financial products geared to reaching unbanked consumers. Prior to Visa, Mark helped design and launch CGAP’s Technology Program which was one of the earliest socially-motivated investors at the nexus of electronic delivery channels and financial services for unbanked consumers. He has consulted to banks, mobile network operators, microfinance institutions, and technology start-ups in two dozen markets. His work is quoted in Wired, The Economist and The Banker, and he has instructed on microfinance at Wharton School of Business and Johns Hopkins. Pickens studied at the Institute of Design at Stanford University and holds a Master’s from Columbia University. He has lived and worked extensively in Africa and Asia, and is currently based in Rwanda.

By Mark Pickens

Blog

Mobile Money Innovation… Waiting… Waiting…

To some extent, falling hardware prices and mobile data transfer costs make it inevitable that we will see suddenly cheap technology applied to old problems. But isn’t there more we could be doing?
Research

Branchless Banking 2010: Who’s Served? At What Price? What’s Next?

Many in the private sector believe reaching large numbers of mass market clients is a precondition to large-scale profits, but at the same time, they are uncertain about how quickly branchless banking will gain traction with the unbanked, low-income clients who make up the mass market.
Blog

Managed Chaos: Keeping Track of Agents

The key is pattern recognition. That’s where the color coding, scoring and sortability of FINO’s system comes into play.
Blog

India: Agent Management to Sort Winners from Losers

The regulatory changes made in India last year have uncorked a stream of new branchless banking launches. Three new providers have or are just about to go to market.
Blog

Nationwide Impact of Agents in Brazil

These insights come from a recent mission to Brazil to look at the business case for agents (termed “banking correspondents” in Brazil) and good practice for building a viable agent network.