Now reading: Christine Hougaard

Christine Hougaard

Christine has been part of the Cenfri team since 2008, with deep experience in market diagnostics (financial inclusion, insurance and AML/CFT) as well as insurance and retail payments. Christine specialises in applying a systems-level approach to diverse topics including regulatory design, consumer outcomes, financial inclusion measurement, financial sector development and, more recently, the interplay between digital transformation and sustainable development at the sector level. She heads Cenfri’s digital transformation portfolio, as well as the our knowledge management capability.

In her spare time, Christine keeps busy raising her three young children, and when the opportunity arises, she enjoys a captivating book, keeping fit and a nice cup of tea.

Recent highlights
  • Leading the financial needs measurement framework inputs to the Alliance for Financial Inclusion data working group.  
  • Updating and applying the regulation for innovation framework in various engagements with regulatory authorities across sub-Saharan Africa 
  • Undertaking a long-standing collaboration with the Access to Insurance Initiativedeveloping cross-country synthesis reports and toolkits, as well as in-country stakeholder-building and an implementation action plan at country level. 
  • Working with the World Bank on a series of insurance for development diagnosticand cross-country synthesis in NigeriaGhanaKenya and Rwanda 
  • Masters module in Regulatory and Competition Economics, University of Witwatersrand, South Africa
  • MasterofEconomics, University of Stellenbosch, South Africa
  • BA honours in Economics, University of Stellenbosch, South Africa
  • BA in Value and Policy Studies, University of Stellenbosch, South Africa


Recent Content by Christine Hougaard
The potential of remittance-linked insurance products in sub-Saharan Africa
Exploring the potential of remittance-linked insurance products to improve the resilience of households in s...
From product provider to trusted risk advisor
Unlocking the SME insurance market through a holistic approach to building resilience. ...
Regulating for innovation: A supervisory toolkit
A supervisory toolkit to help regulators navigate their role and guide decisions in regulating for innovation. ...
Africa: New toolkit may unlock access to financial services
Hundreds of millions of people globally remain excluded fro...
South Africa’s draft conduct standard for third-party cell captives: ironing out the details
In September 2020, the South African Financial Services Conduct Authority (FSCA...