Michelle Kaffenberger

Michelle Kaffenberger is a senior research adviser consulting for the World Bank and CGAP. She has designed, led, and advised on dozens of quantitative, qualitative, and mixed methods empirical research studies on financial inclusion, social protection systems, and education. In addition, she is a research fellow with the RISE Programme at Oxford University, where she analyzes education systems, learning outcomes, and the impact of learning on health, women’s empowerment, and financial inclusion outcomes. Ms. Kaffenberger has served as research adviser and consultant to the Bill & Melinda Gates Foundation, the United Nations, the Asian Development Bank, and a variety of private sector and nonprofit organizations. Previously she was research manager and lead analyst at InterMedia, an international development research organization. She began her career establishing a new base of operations for an international nonprofit in Darjeeling, India.
 

By Michelle Kaffenberger

Research

Doing Digital Finance Right

This Focus Note explores consumer risk in digital finance—-particularly through the lens of lower-income and less-experienced consumers.
Blog

Responsible Digital Finance for Kenyan Merchants: Five Priorities

Kopo Kopo enables more than 10,000 merchants to accept mobile payments from their customers. As Kopo Kopo considers consumer protection risk areas, they identified key concerns and questions in each which they are working on addressing.
Blog

Simple Messages Help Consumers Understand Big Data

After experimenting with SMS messages with Tanzanian microfinance loan applicants, First Access determined that customers can learn a lot about data and their privacy from simple forms of communication.
Research

Informed Consent: How Do We Make It Work for Mobile Credit Scoring

This report explores what consumers understand about their mobile data, and how it is being used by financial service providers and what methods for informed consent might help ensure that individual borrowers understand how their information is used.
Blog

M-Shwari in Kenya: How is it Really Being used?

In recent years, Safaricom has launched a number of value-added services through its M-PESA product in Kenya, aiming to move its customer base beyond basic money transfers. M-Shwari is by far the most popular of the offerings.