Now reading: Christine Hougaard

Christine Hougaard

Christine has deep experience in market diagnostics (financial inclusion, insurance and AML/CFT) as well as insurance and retail payments. Christine has  been part of the Cenfri team since 2008 and 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 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 Initiative, developing 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 diagnostics and cross-country synthesis in Nigeria, Ghana, Kenya and Rwanda 
  • Masters module in Regulatory and Competition Economics, University of Witwatersrand, South Africa
  • Master of Economics, 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
Practice what you preach: Giving consumers a say in consumer protection
New and proposed financial regulations, such as South Africa’s ...
The complexity of partnering to provide microinsurance
A case study on Turaco and Fenix International in Uganda  Generally, health in...
Empowering people to solve problems that matter
How Cenfri makes systemic change happen In helping to build...
How Cenfri makes change happen
Here at Cenfri, impact guides everything we do. As an economic impact agency, we aim to solve...
Unlocking the digital economy in Senegal
The Mastercard Foundation has set an objective to enable 30 million young Africans, especially women, to secure e...