Sai Krishna Kumaraswamy

Financial Sector Specialist

Sai Krishna Kumaraswamy leads CGAP’s work on inclusive competition, and as part of the policy and investment team, contributes to work on innovation, digital finance regulation and supervision, financial consumer protection, and policy responses to financial crises. He also serves as CGAP’s Regional Lead for Asia based in Bangkok, where he supports member engagement and partnership development, contributes to regional projects, and works to deepen CGAP's influence in the region.

Previously, Sai was part of CGAP’s Business Models team for five years, where he worked on digital finance innovations that enabled improved livelihoods and expanded access to essential services for people living in poverty, focusing on micro and small enterprise financing, asset finance, off-grid energy access, and gender-responsive fintech innovation. Before joining CGAP, Sai worked at the Gender Group and the Global Infrastructure Facility of the World Bank, and as an auditor and consultant in India. 

Sai holds a Master’s degree in Development Economics from The Fletcher School at Tufts University, a Master’s degree in Liberal Arts from Ashoka University, and an Undergraduate degree in Accounting, Business and Finance from St. Joseph’s College, Bangalore. He is also a Chartered Accountant. He is fluent in Tamil, Kannada and Hindi.

By Sai Krishna Kumaraswamy

Research

Assets Matter to Poor People

CGAP has undertaken a comprehensive review of the available evidence to understand (i) how asset ownership can lead to improvements in well-being for poor households and (ii) whether obtaining an asset through a loan or lease as opposed to a transfer, grant, or outright purchase affects the benefits associated with ownership.
Blog

2 Financial Services That Increase Smallholders’ Food Security

Evidence from around the world shows that savings and insurance help smallholder farmers to reduce hunger and manage production risks.
Blog

3 Ways Financial Inclusion Improves Women’s Food Security

There is evidence that financial inclusion improves food security for women in at least three ways.
Blog

From Smartphones to Solar Panels: Are Asset Finance Advances Pro-Poor?

Can asset financing improve the lives of low-income customers? And if so, which assets and financing approaches hold the most promise?