David Kruijff is a senior financial inclusion consultant at CGAP where he contributes to work on scaling innovative finance for micro and small enterprises. He is also Chairman of Musoni BV, and Credit Committee member at Incofin. He was also Director of First Access, a fintech that digitizes MFI operations and designs credit scoring algorithms, and as a Research Affiliate at the Cambridge Center for Alternative Finance, Cambridge University, he helped establish a global collaboration network. David has more than 20 years of experience in microfinance working for organizations like ProCredit, the International Finance Corporation (IFC), and OXFAM, including holding Board positions.

Maria Fernandez Vidal is a Senior Financial Sector Specialist, leading CGAP’s work on Data. Her work is focused on the role data can play in advancing financial inclusion and covers a range of topics including data-driven business models and open finance. She has also worked substantially with fintechs, platforms and advanced analytics. Prior to CGAP, Maria was an Engagement Manager at McKinsey & Company, working with financial sector clients in the US and Latin America across topics like strategy, risk, and operations. She has also previously worked with the Inter-American Development Bank (IDB), International Monetary Fund (IMF) and Endeavor. 

About CGAP

CGAP was established in 1995 as the Consultative Group to Assist the Poor. As a dynamic organization working at the frontier of financial inclusion, CGAP has lived many lives since then. For example, CGAP has watched and supported as microcredit morphed into microfinance, then into financial inclusion and digital finance, and, most recently, into inclusive finance and inclusive financial ecosystems.