Now reading: Christine Hougaard

Christine Hougaard

Christine has been part of the Cenfri team since 2008. She finds the interplay between regulation, markets and ordinary people’s lives fascinating and has managed numerous studies in micro-insurance, retail payments and the broader financial inclusion field.

Before joining Cenfri, she worked as an associate at Genesis Analytics, where she focused predominantly on access to finance and, more specifically, financial education, micro-insurance, and anti-money laundering and combating the financing of terrorism (AML/CFT). She has also worked on sector development and competition-economics-related projects.

Christine actively contributes to the management of the FinMark Trust insurance and retail payment systems theme areas. At a global level, she supports the work of the Access to Insurance Initiative (A2ii) Secretariat. Through various projects, she has gained exposure to the country context in Asia (India, Philippines, China and Indonesia), Latin America (Brazil and Colombia) and Africa (e.g. Zambia, Swaziland, Tanzania, Mozambique, Nigeria and Lesotho).

  • Bachelor’s degree in economics (cum laude), Stellenbosch University
  • Master’s degree in economics (cum laude), Stellenbosch University
Recent Content by Christine Hougaard
The evolution of agent networks in Africa
Case study: Kenya The majority of mobile-money flows continue to be dominated by cas...
The role of insurance for development
This research explores the role of insurance in sustainable development and inclusive growth....
Payment systems in sub-Saharan Africa
This two-part note series explores the state of national and regional payment systems in sub-Saharan Africa ...
Can the usage issue in financial inclusion be solved?
Recent Findex findings show that account ownership has increased, globally. But more people than ever are not using their accounts. And while digit...
Means to an end: A conceptual framework for outcomes of financial service usage
Why focus on outcomes of use? The drive for greater financial inclusion is based on ...
Third-party cell captives as an enabler for transformation in the insurance sector
During the parliamentary hearings on financial sector transformation last year, there was a strong sense of urgency for radical transformation. In ...