Emilio Hernandez

Senior Financial Sector Specialist

Emilio Hernandez explores digital financial solutions for last-mile clients. He leads work on inclusive digital distribution networks and the impact financial inclusion has on poor people’s lives. He provides technical guidance to better understand the financial behavior and needs of underserved client groups, like smallholder families, and to experiment with providers on innovative strategies and products that meet those needs.

Before joining CGAP, Emilio led technical cooperation programs focused on inclusive rural and agricultural finance at the Food and Agriculture Organization of the United Nations overseeing field interventions in Latin America, Africa, and Asia. He also oversaw business operations for a large international agricultural technology company throughout Central America. He has a Doctorate degree in Agricultural Economics and Development Finance from The Ohio State University.

By Emilio Hernandez

Blog

Why Do CICO Agent Networks Matter and How Do We Promote Them?

More than a decade since the rise of digital finance, cash remains popular and the ability for people to move cash in and out of digital systems is still vital to financial inclusion. How can agent networks be expanded to fill this need?
Blog

Channeling Women’s Potential to Strengthen Last-Mile Agent Networks

In analyzing how to extend the reach and quality of rural cash in/cash out agent networks, we have come to realize that it is critical to apply a gender lens to identify key barriers for women. Here are three basic steps to do so.
Research

Agent Network Journeys Toward the Last Mile: A Cross-Country Perspective

CGAP's analysis reveals three distinct journeys country stakeholders have taken to extend the reach and quality of rural agent networks.
Research

A Research and Learning Agenda for the Impact of Financial Inclusion

The financial inclusion community is renewing its efforts to understand the role financial services play in the lives of poor people and how financial services can improve their well-being. This paper proposes a learning agenda based on extensive consultation with donors, researchers, and practitioners who support financial inclusion.
Blog

Ride-Hailing Drivers in Indonesia Discuss Livelihoods, COVID-19

You can learn a lot from the back of a ride-hailing motorcycle in Jakarta. We rode with several drivers and interviewed them about their platform-based income, use of digital financial services and the impact of COVID-19. Here’s what we learned.