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Herman Smit


Herman is a Director at Cenfri and the Head of Client Insights for the i2i facility. His current research activities consider the role of behavioural science, alternative data and technology in advancing the benefits of the financial sector to society.

Since joining Cenfri in 2009, Herman’s research has focused on the broader area of financial inclusion and the more specific areas of inclusive insurance, retail payments systems and drivers of women’s financial services usage. His research work in Africa, Latin America and East Asia has centred predominantly on innovation in the delivery of financial services to low-income people. He further led the design and establishment of the i2i facility and co-designed the financial sector assessment tool, Making Access Possible.

Qualifications
  • Master’s degree in behavioural science, London School of Economics, United Kingdom
  • Master’s in economics (specialising in competition and regulation), Tilburg University, Netherlands
  • BCom (Honours) in econometrics, University of Pretoria, South Africa
  • Bachelors in statistics, University of Pretoria, South Africa
Recent Content by Herman Smit
What can behavioural science tell us about the financial decisions of women?
Women are significantly less likely to use formal banking services than men, due to a range of barriers to access and use. A lack of gender-disagg...
China Access to Insurance Diagnostic: A Market and Regulatory Analysis
This report contains the findings of a diagnostic study on the provision of microinsurance to rural workers in China. The study was commissioned by...
Behavioural Interventions for Financial Services Database
This database reflects a systematic review of behaviourally informed interventions that have significantly impacted the financial decisions of indi...
Role of insurtech in microinsurance: How is insurtech addressing 5 challenges in microinsurance?
The business of insurance is hard. Microinsurance delivery has proven to be nearly impossible. Despite almost two decades of focus on the under and...
Facilitating market development to advance financial inclusion
CGAP’s focus note, Facilitating Market Development to Advance Financial Inclusion, presents FinMark Trust as a “facilitator” [...]
Un-networked retailers: A growing channel for financial services distribution?
Agent networks are critical for expanding access to financial services in developing countries. They enable providers to offer viable cost-effectiv...