Maria Fernandez Vidal

Senior Financial Sector Specialist

Maria Fernandez Vidal is a Senior Financial Sector Specialist and has led CGAP’s Data team since its establishment in 2020. She leads CGAP’s work on open finance and AI and was the lead author for the Key Considerations for Open Finance, a joint publication by CGAP, the BIS, the IMF, the UNSGSA’s office and the World Bank. Her work focuses on the role of data in advancing financial inclusion and financial health, covering both the public and private sectors.  She has also led work on fintech innovation, platforms and advanced analytics.

Before joining CGAP, Maria spent five years at McKinsey & Company advising financial and public sector clients on strategy, risk, operations, and organizational transformation. She previously worked at the Inter-American Development Bank (IDB) and the International Monetary Fund (IMF).

Maria holds an MBA from The Wharton School at the University of Pennsylvania, with a double major in strategic management and finance, and earned both her undergraduate and graduate degrees in economics from Universidad Torcuato Di Tella.

By Maria Fernandez Vidal

Blog

How SMS Messaging Can Change Financial Behaviors

Pilots with mobile money providers in the Philippines and Paraguay showed that simple SMS messaging can increase mobile wallet transactions.
Blog

Digital Credit’s Evolving Landscape: 3 Things You Need to Know

Digital credit is on the rise in many developing countries. Here are three things you may not know about this fast-evolving form of lending.
Blog

Do Peer-to-Peer Lenders Understand Risk?

A growing number of novice investors are starting to lend to their peers on digital platforms. New research out of Kenya suggests that providers may need to fundamentally rethink how they inform these lenders about risk.