Ghiyazuddin A. Mohammad is a Manager in MicroSave’s Digital Financial Services (DFS) domain with more than seven years of experience in digital financial services (DFS), microfinance and advisory services. He has worked in various projects with banks, mobile network operators (MNOs), government institutions, agent network managers, MFIs and community owned financial institutions in India, Nepal, the Philippines and Indonesia. Currently he is based in Indonesia with special focus on financial inclusion/DFS related initiatives. His area of expertise include DFS strategy, G2P payments, market research, concept testing, product development, costing and pricing of financial products, field assessments, and monitoring and control systems.