Raunak Kapoor

Senior Manager

Raunak is a Senior Manager in MSC’s Indonesia Country Program Development Domain. He is responsible for co-creating and implementing technology-enabled financial inclusion projects for public and private sector in developing economies.

Raunak is a Senior Manager in MSC’s Indonesia Country Program Development Domain. He is responsible for co-creating and implementing technology-enabled financial inclusion projects for public and private sector in developing economies. He has more than nine years of experience in developing strategies to expand access to finance for the poor and advising financial institutions to implement innovative and cost effective technology-enabled delivery channel. Over the years, he has advised more than 50 financial services providers and implemented collaborative financial inclusion projects with a range of stakeholders including donors, multi-laterals, private sector players (microfinance institutions, commercial banks) and government. He is a certified expert in financial inclusion strategy, market research, process re-engineering, product development, project management and institutional capacity building. His domain level expertise are in the field of microfinance, digital financial inclusion and micro enterprise financing. He has worked in some of the least-developed and emerging market economies across Asia, Africa and the Pacific that includes work in Bangladesh, Cambodia, Fiji, India, Indonesia, Kenya, Nepal, Papua New Guinea, The Philippines, Solomon Islands, Tanzania, and Timor-Leste.

Posts by Raunak Kapoor

Impact of COVID-19 on FinTechs: Indonesia report

Indonesia has been the hotbed for FinTech innovations across the ASEAN region. However, like all other businesses, FinTechs in the country too have been struggling to cope with the Pandemic. In this study, we highlight the impact of the pandemic on FinTechs in Indonesia.

Addressing the Impact of COVID-19 on the low and middle income segments in Indonesia

This blog is the second of two blogs based on the MSC study. It provides recommendations for policymakers to improve the socio-economic and health outcomes for low and middle-income (LMI) segments.

The impact of COVID-19 on LMI segment in Indonesia

This is the first of two blogs that highlights the insights from MSC study to understand the economic and health impact of COVID-19 on LMI ( Low and medium income) Indonesians.

Liquidity support for G2P agents in Indonesia during the COVID-19 pandemic

Effective liquidity management is critical for the delivery of G2P programs, particularly in times of emergency when beneficiaries are most vulnerable. Cash-in/cash-out (CICO) agents in Indonesia receive little or no support to manage liquidity and most of them still have to travel to the nearest bank branch

Impact of the COVID-19 pandemic on CICO agents in Indonesia

Large-scale movement restrictions, falling consumer demand, and rising unemployment have taken a toll on CICO agents in Indonesia. Our report analyzes the impact of the pandemic on these agents, highlights their coping strategies, and provides recommendations to help them recover.

Impact of the COVID-19 pandemic on MSMEs: Indonesia report

The COVID-19 crisis has proven devastating for MSMEs in Indonesia, which have seen their revenues reduce to almost half. Our report analyzes the economic consequences of the pandemic on MSMEs, highlights their coping strategies, and provides policy recommendations to help them recover.

Trust Busters! A dozen reasons why your potential customers do not trust your agents (particularly in rural areas)

Alarmingly, most users who sign up for digital financial services do not actually end up using them, largely due to a lack of trust in agents. This holds true even in the case of relatively “advanced” geographies. “Trust busters” examines the evidence and lists out 12 reasons behind this worrying trend of interest in agency banking that fails to convert into regular usage.

Aligning regulations to enhance digital financial inclusion in Indonesia

In Indonesia, the regulatory supervision of banking and financial services is under two regulatory bodies, Bank Indonesia (BI) and the more recently established, Financial Service Authority (Otoritas Jasa Keuangan or OJK). This study looks at synergies in regulations for e-money (LKD) and branchless banking (Laku Pandai) to unleash the full potential of digital financial services in Indonesia.