Founder, Group Managing Director
Graham has worked with banks, MFIs, telecoms, and regulators in Bangladesh, India, Indonesia, Nepal, Pakistan, the Philippines, Vietnam, Zimbabwe, Kenya, Uganda, South Africa, Tanzania, and Zambia.
Graham oversees Digital Financial Services, Strategic Initiatives, Knowledge Management, and Global Insights within MSC. During his time as the head of MSC in Africa, he spearheaded work to transform both Equity Bank and Kenya Post Office Savings Bank and collaborated in the design and initial testing of M-PESA. He has headed several teams working on digital financial services solutions for banks, mobile network operators, and MFIs in Asia, Africa, and Latin America.
Prior to establishing MSC, Graham provided long-term technical assistance to a rural finance system setting up self-help “savings and loan groups” linked to strong cooperatives in a remote mountainous area of the Philippines. He has developed 14 training toolkits and published over 70 peer-reviewed papers and briefing notes, including the book “MicroFinance Systems: Designing Quality Financial Services for the Poor” (Zed Books, London and New York, 2000). Graham has served on a variety of advisory panels including CGAP’s Savings Mobilization Working Group and its Product Development Group, the Ford Foundation’s ImpAct program, and for the Bill & Melinda Gates Foundation. He is a Research Associate at the Institute of Development Policy and Management, University of Manchester. Graham is an MA (Hons) graduate in Economics and Psychology from the University of St Andrews.