Pablo García Arabéhéty

Pablo García Arabéhéty formerly worked at CGAP as was the Regional Representative for Latin America & the Caribbean. He worked in the intersection of mobile technologies, business model innovation and development, specializing in mobile enabled financial services for lower income people as well as on the economics and governance of network sharing. During the last 10 years he has collaborated in research and implementation projects with international organizations and development banks, in addition to start-ups, SMEs and Fortune 1000 companies.

By Pablo García Arabéhéty

Blog

M-Pesa Usage Data: OTC Makes Sense, Even for Kenya

Even though "cash-lite" is a buzzword in financial inclusion, usage data from M-Pesa suggests that the goal of going "cashless" may not be aligned with the needs of people at the base of the income pyramid.
Blog

Can Retailers and MNOs Provide More Efficient Financial Services?

When it comes to financial inclusion, retail has been one of the late driving forces in Latin America. In the past, banks have been unable to cater to over 50% percent of households in the region. Retailers have filled some of this gap and have started offering formal financial services to millions of previously unbanked customers.
Blog

Cash Management Innovation in Latin America

An ongoing trend in Latin America is bringing forward an innovative solution to the problem of cash management through a far-reaching network of small retailers who process cash payments in real time. Could this be a way to forge a Latin American alternative path to address the problem of liquidity management?
Blog

ARPU Going Low: The Role of Financial Services in Latin America

The model for obtaining significant revenues must be one in which the carriers are efficient players of the ecosystem, beyond the mere provision of connectivity to mobile phones.