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

Bringing Health Microinsurance to Kenyans via Mobile Phone

Bundling microinsurance with other mobile financial products is making health insurance more affordable and useful for low-income patients in Kenya.
Research

Digital Rails

Get a more detailed introduction to open APIs — what they are and how they can unlock innovation in digital financial services ecosystems — in this e-book.
Blog

5 Keys to Addressing the Needs of API Consumers

Learn about five steps digital financial services providers can take to design open API products that appeal to third-party developers in their markets.
Blog

Riding the “Rails”: Unlocking Innovation with Open APIs

What are "Open APIs" and why do they matter for financial inclusion? CGAP is looking at open APIs as an enabler of increased innovation in digital financial services. Here's what digital payments providers need to know.
Blog

The ‘Uberification’ of Financial Inclusion: What’s Possible?

At CGAP, we want to understand what Uber and other socially interactive business models could mean for financial inclusion.