Lisette Cipriano
Senior Digital Technology Specialist (Financial Technology Services) Sector Services Advisory Cluster, SDCC

Lisette Cipriano currently works as a Senior Digital Technology Specialist in Financial Technology Services with ADB. Prior to her current role, she worked for Vodafone Group in the UK, as Commercial Country Manager for Ghana and DRC, providing support and consultancy services for Vodafone Cash/M-Pesa. Her areas of expertise include payments, financial inclusion, mobile money, and financial services in the EMEA region.

Policy Brief

Digital financial services like mobile money can reduce transfer prices and improve transparency, efficiency, and access.


Promoting national digital ID systems, interoperable systems, and cloud-based infrastructures can make digital financial services more efficient.


Digital finance offers the potential to reach underserved groups, but it is vital to first understand the needs of this segment.