Renuka Pai is a financial sector development consultant with experience working on projects in Africa, Central Asia, Eastern and Central Europe, and the Western Balkans. Her work focuses on financial inclusion, entrepreneurship, small and medium-size enterprises finance, women’s economic empowerment, impact of social norms on financial inclusion, and development of the digital economy. She has worked on several projects across the World Bank Finance, Competitiveness, and Investment and International Finance Corporation Country Advisory and Economics teams, where she has contributed to policy and research on payment systems development, responsible financial access, and digital financial services. She holds a Master of Public Policy in International Development from the University of Maryland, and a Bachelor of Engineering in Computer Science and Information Systems from the BITS Pilani University in India.