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 Work by Christine Hougaard
Insurance regulation and innovation: An assessment of 8 African insurance markets
To support regulatory authorities in sub-Saharan Africa in promoting inclusive insurance market development, there is a ...
Consumer protection in digital finance
The authors of this report would like to acknowledge the support of the International Dialogue on Consumer Protection...
What will it take to build innovative insurance markets in Sub-Saharan Africa?
Despite the best efforts of sub-Saharan African (SSA) insurers, most African citizens ...
Agriculture an important policy priority for Rwanda
Agriculture plays a major role in the Rwandan economy: close to 75% of the population’s livelihood depends on farming. However, the majority of t...
Practice what you preach: Giving consumers a say in consumer protection
New and proposed financial regulations, such as South Africa’s ...