Michel Hanouch

Senior Financial Sector Specialist

Michel Hanouch currently leads CGAP´s work on climate adaptation and resilience for financial service providers (FSPs) and their customers. This work explores strategic considerations for FSPs across risk management and product innovation, as well as the operationalization thereof. Previously, Michel led CGAP´s work on open APIs in financial inclusion.  
 
Michel is an experienced leader with deep expertise on the use of technology to profitably deliver financial services to hard-to-reach customers at scale. He has 20 years of experience working across strategy consulting, technology (Amazon Web Services) and international development. He has a breadth of experience, delivering strategic projects spanning product, channel, and business model innovation; digital transformation; customer experience; data; fund raising; regulation; sustainability; pricing and more. Michel has worked with C-level executives at banks, telcos, fintechs, platforms, payment companies, and regulators across 20+ countries.  
 
Michel has a Master’s degree in Economics, and an Honour’s degree in Economic Science, both from the University of Witwatersrand. He is based in Madrid, Spain. 

By Michel Hanouch

Blog

API Technology Jargon: What Business Leaders Need to Know

Here are three design principles that financial services providers should keep in mind when making technology decisions related to their open API products.
Blog

Customers Want Data Protection: How Can Open API Providers Deliver?

Open APIs can benefit digital financial services providers and low-income customers alike, but they pose data protection and privacy challenges. Here are some tips on how providers can address those challenges.
Research

Technology Building Blocks for an Open API Strategy

This slide deck is designed to help business leaders who are not IT specialists learn how to make informed decisions about the technologies supporting their open APIs.
Research

API Pricing for Digital Financial Service Providers: Getting Started

Learn how to devise an API pricing strategy that balances your need to achieve a return on investment with the needs of third parties who are trying to grow their own businesses by leveraging your APIs.
Blog

What APIs Are Digital Financial Services Providers Opening?

What types of APIs are digital financial service providers opening in developing countries? CGAP has been keeping track and spotting trends.