Ghiyazuddin Mohammad

Ghiyazuddin Mohammad is a Senior Policy Manager- Digital Financial Services at Alliance for Financial Inclusion (AFI),Kuala Lumpur, Kuala Lumpur, Malaysia.

Ghiyazuddin A. Mohamma worked as 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 a special focus on financial inclusion/DFS related initiatives. His area of expertise includes DFS strategy, G2P payments, market research, concept testing, product development, costing and pricing of financial products, field assessments, and monitoring and control systems.

Posts by Ghiyazuddin Mohammad

Access to credit in West Bengal post microfinance crisis

The findings and recommendations from this research will help the microfinance stakeholders in India to make decisions that enable the poor to have better access to financial services.

Lessons from Informal Financial Systems: An Indonesian Perspective

This paper highlights how the products and methods of informal finance offer valuable suggestions for formal financial service providers.

Ideas to Increase DFS Usage in Indonesia

Digital Financial Services (DFS) is growing rapidly in Indonesia. However, agent and account activity remains low at around 20%. Further, awareness about mobile money/digital financial services is also low 8%. One of the key reason for low activity and limited uptake is that the products/services offered through digital channels do not meet the needs of […]

Mitigation of Consumer Risks in Digital Financial Services -Perspective from Indonesia & Beyond

Ghiyazuddin Mohammad – Manager, Digital Financial Services and Country Programme Development for Indonesia – presented at the International Telecommunication Union (ITU) workshop on “Digital Financial Services and Financial Inclusion” in Geneva, Switzerland on 14-15 December 2015.

Digital Financial Services and Financial Stability – Perspective from Indonesia

“Ghiyazuddin Mohammad – Manager, Digital Financial Services and Country Programme Development for Indonesia – presented at “”International Conference on the Linkages between Financial Inclusion and Financial Stability”” organised by Alliance for Financial Inclusion (AFI) in Bali, Indonesia on November 30th & December 1st, 2016.

Unleashing International Remittances – Technology Driven Solutions for Indonesia

This PB analyses four models that are tailored to cater to the Indonesian market and to the needs of the migrant communities both at the sending and the receiving end.

Leveraging Fintech to Achieve Financial Inclusion in Indonesia

“Fintech” – an intersection of financial services and technology – is taking the traditional financial world by storm and Indonesia is no exception.

Indonesia: The Quiet before the Storm

Lessons from our Agent Network Accelerator Survey – Indonesia Country Report – Launched February 2015 Click here to read the blog in Bahasa Last year, The Helix Institute discussed the importance of focusing on the “Launchpad Stage” before rolling out a DFS deployment. The Launchpad Stage is the developmental phase which concentrates on identifying a value proposition in […]