Mihasonirina Andrianaivo is a Senior Financial Sector Specialist working in the Finance Competitiveness and Innovation department of the Middle East and North Africa (MENA) of the World Bank. She is leading several lending operations and technical assistance programs on financial sector issues in the region, and more recently has focused on green finance. Prior to that she worked in Finance and Markets operations in the South Asia Region and in several countries in Africa. She focused on financial inclusion issues, especially for startups and MSMEs, in India, Pakistan and Bangladesh and previously on financial and private sector development in Bhutan and Afghanistan. Before joining the World Bank she worked in the private sector as an Economist for France Telecom - Orange in Paris (France), mainly on competition issues, strategy in the telecommunication sector, mobile financial services and associated regulation challenges. She holds a Ph.D. in Economics from the University of Rennes 1 (France), and has published papers on issues related to financial development, financial structure, and mobile financial services.