Jeremy Gray


Jeremy is a Technical Director at Cenfri. He works with both public and private sector decision-makers in developing countries to enhance the reach and value of appropriate financial solutions and identify the key opportunities where digital transformation can unlock value for individuals, enterprises and societies.  

Jeremy leads Cenfri’s resilience, digital transformation, regulating for innovation and SME thematic areas, and has conducted and managed projects across a range of content areas. These include market diagnostics (financial inclusion and insurance) and discrete project work in the areas of insurance, retail payments, SMEs, the measurement of financial inclusion, digital transformation, fintech and regulating for innovation. 

Qualifications
  • Master’s in economics (cum laude), University of Kwa Zulu-Natal
  • BSocSci (Honours) in economics, University of Cape Town
  • BSocSci (PPE), University of Cape Town

Contact:
Recent Work by Jeremy Gray
A fair exchange: What Kenyans expect when sharing financial data
In January 2026, Tools for Humanity was ...
Reassessing the role of data protection authorities in Africa
The global data governance landscape is rapidly evolving, presenting an opportune moment for African policymakers to ...
What is fair? Debating new ID verification fees in South Africa
The cost of digital ID verification may seem like a technical detail, but it lies at the heart of expanding access to financial services, supportin...
Financial sector regulation in the digitial economy: Priorities for emerging markets
This piece was published in partnership with ...
Who bears the cost? Shifting liability in digital financial services
Fraud and scam activity is increasing in African economies, as more citizens access digital f...