Surbhi Sood

Senior Manager

Surbhi is a Senior Manager in MSC’s Digital Financial Services (DFS) – Banking and Product Development domain.

Surbhi is a consultant with over seven years of experience gained through projects with international organizations, social enterprises, NGO’s and community-based institutions in Cambodia, Kenya and India. Her areas of expertise include digital payments, product development, project management and creative content development. She is passionate about innovation in technology for development purposes and use of creative methodologies for effective learning.

Posts by Surbhi Sood

The role of mobile money providers and their agents in protecting customers’ data

This Slide Deck is a supplement to the Blog “How Are Mobile Money Agents Protecting Customers’ Data in Uganda?” (December 2022).

How are Mobile Money Agents Protecting Customers’ Data in Uganda?

The blog presents findings from a research study commissioned by CGAP in partnership with MicroSave Consulting (MSC). The research intends to identify good practices of responsible agents in safeguarding their customers’ data. It also sheds light on the role of providers in promoting these practices in Uganda. The study also examines how Uganda’s Data Privacy & Protection Act has helped strengthen providers’ data protection practices.

CICO Agent Lifecycle – Interactive Digital Flipbook

Across the globe, a typical CICO agent goes through a range of experiences across various stages in their journey. MSC has developed the Agent Lifecycle (ALC) a framework to understand the challenges both male and female CICO agents face along their journey and propose targeted interventions to address them.

Predominant Cash-in Cash-out (CICO) models in India

This deck highlights the predominant cash-in and cash-out (CICO) agent models in India across an agent’s lifecycle. It uses MSC’s extensive experience in the agent space from across the globe, and synthesizes it for industry players.

India: Impact of COVID-19 on Business Correspondents

This report highlights the impact of COVID-19 on business correspondent (BC) agents in India and the issues they faced while delivering financial services in the wake of the pandemic. It also offers policy recommendations to help BCs offer uninterrupted services.

Impact of COVID-19 pandemic on Micro, Small, and Medium enterprises (MSMEs): India report

MSMEs in India have been adversely affected by the lockdown announced as a measure to contain the spread of COVID-19. This report outlines the impact of the pandemic on MSMEs and offers policy recommendations to support their recovery.

Micro and small enterprises: Will the pandemic put an end to their business?

This blog looks at the impact of the COVID-19 pandemic on micro and small enterprises (MSEs) across low- and middle-income countries, which are particularly vulnerable to shocks. Our research insights will help policymakers and financial institutions support the recovery and rebuilding of the MSME sector in the wake of the disease.

CICO Agents: The under-valued “first responders”

Our ongoing research uncovered a set of unique challenges that cash-in/cash-out (CICO) agents currently face in the context of the COVID-19 pandemic. Here, we look at the experience and behaviors of CICO agents across eight countries and explore ways to support them through favorable policies, even as the disease rages on around the world.