Christine Hougaard is an Engagement Manager at Cenfri and has been part of the team since 2008. She finds the interplay between regulation, markets and ordinary people’s lives fascinating and has done various studies in the microinsurance, retail payments and financial inclusion field more broadly. She actively contributes to the management of the FinMark Trust insurance and retail payment systems theme areas and supports the work of the Access to Insurance Initiative (A2ii) Secretariat. Through various projects, she has gained exposure to the country context in Asia (India, Philippines, China, Indonesia), Latin America (Brazil, Colombia) and Africa (e.g. Zambia, Swaziland, Mozambique, Nigeria). Before joining Cenfri, Christine worked as an Associate at Genesis Analytics. Her work there was focused predominantly on access to finance and more specifically financial education, microinsurance and AML/CFT. She has also worked on sector development and competition economics-related projects.

Christine holds a Masters in Economics, BA Honours Economics and BA (all cum laude) from the University of Stellenbosch, South Africa.

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