Sai Krishna is a consultant in the Financial Innovations for Development (FI4D) team at CGAP, where he studies emerging business models that empower low income consumers through financial services. His research interests span digital finance, financial inclusion strategies, market approaches to development, SDGs, development finance and the future of finance. He has worked for over 7 years as a consultant, advising clients in financial services, oil & gas, manufacturing, infrastructure, education and public sectors. Sai Krishna holds graduate degrees in international relations, development economics and political economy. He is also a chartered accountant and a CFA.