Ghiyaz is a manager in the Digital Financial Services (DFS) domain. He has more than eight years experience in financial inclusion, digital financial services and microfinance advisory services. He has worked in various projects with banks, mobile network operators (MNOs), regulators, MFIs and community owned financial institutions in India, Nepal, the Philippines and Indonesia. His area of expertise includes DFS strategy, G2P payments, market research to understand customers’ needs, product development, channel design and process re-engineering. He is currently on a long term deputation in Indonesia.