CGAP is a global partnership of more than 30 leading development organizations that works to advance the lives of poor people, especially women, through financial inclusion. Using action-oriented research, we test, learn and share knowledge intended to help build inclusive and responsible financial systems that move people out of poverty, protect their economic gains and advance broader development goals. We research and experiment to achieve proof of concept and extract lessons that can be built to scale by our partners, who apply our insights in the

Poornima Jayawardana is a Financial Sector Specialist in SEPF. She has been involved in ADB's financial inclusion interventions in the Southeast Asia region, and leading financial inclusion support for Indonesia. Poornima holds an MSc in International Development from the University of Manchester in the UK, and BBA, MBA, and PhD degrees from the Ritsumeikan Asia Pacific University in Japan. She has also received Professional Education on Financial Inclusion and Financial Technology from Harvard University in the USA, Oxford University, and Cambridge University in the UK. 

Mr. Mohd Sani bin Mohd Ismail is currently Senior Financial Sector Specialist at the Asian Development Bank (ADB). He joined ADB in 2009 and has been leading various missions on financial market development, financial inclusion, fiscal policy, and capital market integration in Southeast Asia. Prior to joining ADB, he worked for Securities Commission Malaysia, assigned at the Market Development Department. He obtained his LLM degree from Durham University, UK, through a Chevening scholarship.