Sharmista Appaya

Sharmista Appaya

Senior Financial Sector Specialist

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Sharmista Appaya is a Senior Financial Sector specialist in Finance, Competitiveness and Innovation (FCI) Global Practice at the World Bank Group where she analyzes FinTech and its application to financial inclusion. She works to support governments in emerging economies to identify key regulatory and policy challenges and solutions to enable fintech products, services and business models.  Prior to joining the World Bank, she was the Head of the Fintech Accelerator at the Bank of England in London looking at innovative firms and technologies to understand both the applications of and implications on Central Banking practices.