Amani M’Bale
Bill & Melinda Gates Foundation

Amani M’Bale is the Senior Program Officer for East Africa with the Financial Services for the Poor team at the Bill and Melinda Gates Foundation. She has over 20 years of international development experience in Africa, having worked with USAID, the United Nations Capital Development Fund, a series of INGOs, and as a consultant to CGAP.

A financial inclusion practitioner, strategic leader and partnerships expert, Amani has worked with government (including Central Banks and Ministries of Finance in Rwanda, Uganda, Tanzania and Liberia) and the private sector, including fintechs, mobile network operators and commercial banks. Her work has led to innovation in digital financial services policy and service provision for marginalized communities.


Articles by Amani M’Bale

  • Amani M’Bale / Graham Wright

    Can Access to Smartphones Bridge the Digital Divide in Sub-Saharan Africa?

    Research shows that mobile phones can be a useful tool in the fight against poverty, increasing both household income and consumption. But according to Amani M’Bale at the Bill & Melinda Gates Foundation and Graham A.N. Wright at MicroSave (MSC), to reach that potential, it’s important that these phones are able to bridge the digital divide, becoming accessible to, and used by, the underserved people they can benefit the most. They share several factors that can increase — or limit — the usage of smartphones and other mobile devices in sub-Saharan Africa.

    digital finance, financial inclusion
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