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

Blog

Does PAYGo Solar Improve Women’s Lives? A Look at the Evidence

Pay-as-you-go (PAYGo) solar financing has electrified the homes of more than 100 million people. What does the available evidence say about its impact on women?
Blog

Opening Pandora’s Box: Revisiting the Impact of Small Business Finance

The debate over the impact of small business finance is far from settled. Here are four gaps in the evidence base that should be filled to move the debate forward.
Research

Micro and Small Enterprise Finance: Examining the Impact Narrative

Micro and small enterprises are a vital part of the livelihoods and resilience strategies of poor households across emerging markets. This deck reviews existing impact literature and identifies key knowledge gaps.
Blog

Emergency Relief for Small Businesses Requires a Targeted Approach

Here are some useful ways to segment the more than 160 million micro and small businesses in developing countries for more targeted, effective COVID-19 relief.
Blog

Financial Services for Health: Treating the Cause

Health expenses push 100 million people into extreme poverty each year. While private sector innovation can play an interim role in financing out-of-pocket expenses, the long-term focus should be on making poor people resilient to health shocks.