Gerhard Coetzee is a Senior Specialist at CGAP (www.cgap.org) and an Extraordinary Professor at the University of Stellenbosch Business School (South Africa). At CGAP he leads the Customers at the Centre initiative that guides financial service providers to customer centric business models that will advance financial inclusion. Earlier he was the Head: Inclusive Banking at Absa Bank (majority owned by Barclays PLC), founder and Director of the Centre for Inclusive Banking in Africa and Extraordinary Professor in Agricultural Economics at the University of Pretoria. He also worked at an international development economics consulting firm (DAI), the Development Bank of Southern Africa and the South African Department of Agriculture. At Absa he led the team that designed, built and delivered branchless financial products and services for the unbanked and under-banked poor in South Africa. He is published widely and worked in more than 30 countries, the majority in Africa. He is a recipient of nominations and awards for innovation and community service. Gerhard holds a PhD in Agricultural Economics from the University of Pretoria, South Africa.