Bill & Melinda Gates Foundation
Authors / Biography

Elisa Sitbon

Title Associate Program Officer
Organization Bill & Melinda Gates Foundation

Elisa Sitbon is an Associate Program Officer for the Bill & Melinda Gates Foundation’s Financial Services for the Poor team, where she specializes in policy, advocacy and regulatory issues.

Posts By Elisa Sitbon

A new dawn for financial inclusion in Indonesia?

Indonesia’s financial inclusion efforts are being re-energized by political will, the pervasiveness of digital ID, digital payments and a world-class fintech ecosystem. Millions of unbanked people in the country could be included in the next few years.

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Addressing Competition Bottlenecks in Digital Financial Ecosystems

Despite some early success, the mobile money industry’s future remains unclear as many markets remain slow to ignite. Starting mobile money operations for either a Mobile Network Operator (MNO) or a bank is expensive, complex, and relatively high risk.

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New MMU Discussion Paper on Smartphones & Mobile Money: The Next Generation of Digital Financial Inclusion

Converging trends offer great promise for the next generation of digital financial inclusion efforts based on smartphones. Devices are getting cheaper, global alliances are advocating for affordable data access, and mobile operators are investing in developing the necessary network capacity and pricing models to manage the inevitable transition from feature phones to smartphones.

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