Mukesh Sadana

Mukesh Sadana is a Digital Development Advisor with USAID, India where he helps integrate digital technology and data-driven approaches into mission programming and co-manages the project to increase the use of digital payments among low income populations.

Mukesh has over 18 years of experience in FMCG, banking, retailing, and consulting. He has worked extensively across Bangladesh, India, Kenya, Indonesia, Philippines, Nepal, Vietnam, Malawi, and Papua New Guinea on a wide variety of assignments. Mukesh specializes in G2P payments, regulations, payment systems, product development, delivery channel design and management, consumer protection, risk analysis and risk management, and process mapping for digital financial services. Before joining USAID, he worked as a Principal Consultant in the Digital Finance domain of MSC. Mukesh has also worked with ICICI Bank in the Rural Micro-banking and Agri- business division.

Posts by Mukesh Sadana

Why E/M-Banking Will Soon Reach Scale in India (An Optimistic View)

India has a huge opportunity to leverage the potential of e/m-banking and build a cash-light economy. This paper assesses whether e/m-banking will reach sustainable scale in India.

Financial Inclusion through E/M-Banking – The Regulatory Landscape in India

This Note examines the current state of regulation on m-banking in India and concludes that it is already a largely enabling environment for bank-led models.

Do the M-PESA Rails Contribute to Financial Inclusion?

The Note examines progress towards financial inclusion in Kenya, and concludes that while M-PESA’s rails offer the potential, Kenya may yet have to wait to realise affordable, effective financial inclusion.

Riding the M-PESA Rails: Advantages & Disadvantages

This Note examines if, how and where financial institutions are realising the potential of M-PESA to make their systems more efficient and their products more accessible.

Innovation and Adaptation on the M-PESA Rails

This note examines some of the savings and related services offered to the low-income market segment using M-PESA ‘rails’, and highlights the challenges they face.

Analysis of Financial Institutions Riding the M-PESA Rails

This paper analyses the FIs riding the M-PESA rails stating that many M-PESA customers find formal banking services inaccessible or expensive, and the advantages of transactions by phone is preferable.

Interbank Mobile Payment System: Will It Catalyse Financial Inclusion?

This note focusses on the present banking regulations which provide ample scope for banks and financial institutions to explore ways of reaching out to the un- and under-banked.

Optimising agent networks in Uttar Pradesh

In an effort to better understand the customers’ needs and their criteria for the optimal BC model, MicroSave conducted a research study in the Indian states of Uttar Pradesh and Gujarat in 2010-2011.