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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).

Qualifications
  • Bachelor’s degree in economics (cum laude), Stellenbosch University
  • Master’s degree in economics (cum laude), Stellenbosch University
Recent Content by Christine Hougaard
Regulating for innovation: How to encourage responsible market innovation
For regulators, the dual implications of innovation make it a critically important but challenging topic to address. Regulators with a mandate to e...
Storming the Walls: How Mozambique’s ‘Citadel Economy’ shapes financial inclusion
When I first travelled through Mozambique, the picture was idyllic. Leaving sprawling Maputo behind, my main impression was of beaches, coconut trees [...]
Using consumer insights to unlock the potential of financial inclusion
If we move away from a one-dimensional view of financial inclusion as the percentage of adults with a formal bank account, we find that formal fina...
Why digital payments are not replacing cash
Globally, the financial inclusion agenda has focused on migrating consumers, providers and governments to digital payment instruments, in a bid to ...
Customer views on abuses in the informal funeral parlour market in South Africa
Funeral parlours and burial societies deliver value to consumers by meeting essential functional needs, but also by meeting social and cultural nee...
Why bank account access does not translate into usage
Underlying the global financial inclusion agenda is the assumption that providing access to and ownership of bank accounts will improve the lives o...