Bill & Melinda Gates Foundation
Authors / Biography

Daniel Radcliffe

Title Deputy Director, Financial Services for the Poor Innovation and Research
Organization Bill & Melinda Gates Foundation

Daniel is responsible for expanding the poor’s access to digital payment systems and to expand the range of savings, credit, and insurance services that can be delivered over digital payment platforms. Dan manages the FSP strategy in India and Pakistan. Prior to the foundation, Dan has worked on financial inclusion issues with the Centre for Micro Finance in Chennai, India and the Consultative Group to Assist the Poor (CGAP) in Washington D.C. Prior to his work in financial inclusion, Dan was as a Venture Capital Analyst within Lehman Brothers’ Venture Capital Fund in the Silicon Valley.

He is a graduate from the Harvard University / Kennedy School of Government’s Master in Public Administration in International Development (MPA/ID) program. And in his leisure time Dan tries to spend as much time as possible backpacking in the mountains.

Posts By Daniel Radcliffe

Digital Finance is the New Source of Economic Development

The unbanked people of the world are so much more than a population in need of help. They’re a potential customer base waiting to enter the formal economy—and push it to new heights.

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A Big Step Forward in India's Financial Inclusion Deliberations

Electronic payments are the connective tissue of a financial system.

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MicroSave Launches the Agent Network Accelerator Initiative

The first step towards achieving digital financial inclusion is to enable excluded households to convert their physical cash into digital money through a cash-in/cash-out (CICO) agent. Unfortunately, providers around the world are struggling to extend CICO networks into poor and rural communities due to their underlying cost and complexity. To help address this barrier, the Gates Foundation has partnered with the International Finance Corporation, the UN Capital Development Fund, and the financial inclusion consultancy, MicroSave, to launch the Agent Network Accelerator.

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A Digital Pathway to Financial Inclusion

In a new paper entitled “A Digital Pathway to Financial Inclusion,” we present a growing body of evidence which indicates that connecting poor people to a digital financial system will generate sizable welfare benefits. We also argue that countries will not bridge the cash-digital divide in one giant leap. Instead, countries will pass through several stages of market development along the path to an inclusive digital economy.

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How Do Migrant Workers Save Money in India?

Imagine you’re a migrant laborer living entirely in the cash economy. How do you send money home to your wife and kids? How do you buy supplies from the next town over? How do you pay utility bills?

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