Laying the Groundwork for Digital Transformation

Greta Bull is the CEO of CGAP and a director at the World Bank Group. Ms. Bull has 18 years of experience in development finance, primarily focused on small and medium enterprise finance, microfinance, and digital financial services. She has worked with both financial services providers and policy makers in Latin America, Central and Eastern Europe, Sub-Saharan Africa, and South Asia. Her clients have included banks, microfinance institutions, mobile network operators, and fintechs. Before joining CGAP, Ms. Bull was a manager for Financial Institutions Advisory Services at the International Finance Corporation. Other career highlights include serving as director of the Finance, Banking and Enterprise Division at DAI Europe and holding senior-level positions at the Eurasia Foundation.

Mark Flaming has a long career developing financial institutions, market infrastructure, and regulatory frameworks to extend financial services to mass market populations. His passion is creating financial services that improve the financial lives of low-income people.
Most recently, Mark was the Chief Digital Officer at Yoma Bank in Myanmar where he created a seventy-person team that designs, builds and scales the digital financial products and channels the drive Yoma Bank’s new push into digital mass market banking. Prior to that, he led the launch of Microcred’s strategy for using digital channels to expand its traditional microfinance business into a mass market banking service. He currently lives in Hood River, Oregon.

Ruth Dueck-Mbeba brings more than 30 years’ experience in public accounting, financial reporting and management, and as a practitioner, trainer and consultant in development and financial inclusion. Currently, she serves as a senior program manager at Mastercard Foundation, where she is responsible for programming in education finance, digital finance, youth financial services and country strategy development. She has lived, worked and traveled extensively in Africa, the Middle East and Asia. Ruth is passionate about building learning communities, sharing knowledge and developing human capital. She is a chartered professional accountant (Ontario), a member of the Institute of Internal Auditors and holds a certificate in adult education.

Graham A.N. Wright is the founder and Group Managing Director of MSC. He pioneered much of the core of market-led approach used by MSC. He has around 30 years of experience in emerging markets underpinned by five years of experience in management consultancy, training and audit with Arthur Andersen in Europe. Graham has worked with banks, MFIs, telecoms, and regulators in Bangladesh, India, Indonesia, Nepal, Pakistan, the Philippines, Vietnam, Zimbabwe, Kenya, Uganda, South Africa, Tanzania, and Zambia. Graham oversees Digital Financial Services, Strategic Initiatives, Knowledge Management, and Global Insights within MSC. During his time as the head of MSC in Africa, he spearheaded work to transform both Equity Bank and Kenya Post Office Savings Bank and collaborated in the design and initial testing of M-PESA.

Geraldine O’Keeffe is the Chief Innovation Officer and Co-founder of Software Group, a global technology company specialized in digitalization and integration solutions for institutions that provide financial services. Before joining Software Group, Geraldine worked as a technology consultant for corporate firms in London, an IT manager for an MFI in Uganda, a Director for an MIS vendor, and as an independent consultant. Geraldine is passionate about financial inclusion and helping institutions leverage technology to achieve efficiency, scale and increase outreach. Geraldine is also a specialist in technology for Microfinance, including not only Core Banking Systems, but also all nature of delivery channels with extensive experience of deploying innovative mobile and agency banking solutions.

Momina Aijazuddin is the Global Head of Microfinance at IFC. She also works as Principal Investment Officer in IFC’s Financial Institution Group (FIG). She covers IFC’s microfinance investment and advisory activities globally, which exceeds cumulative investments of $6 billion worldwide with over 300 microfinance institutions (MFIs), in addition to advisory services worth $63.7 million in 68 projects across 30 countries. She is leading IFC’s efforts to scale up private sector commitments with strategic partners committed to achieving the World Bank Group’s Universal Financial Access goal of reaching 1 billion unbanked 2020 which includes a coalition of over 30 partners committed to financial inclusion.