Team Graham A.N. Wright


Group Managing Director
London, United Kingdom

Graham A.N. Wright, the founder and Group Managing Director of MicroSave, pioneered much of the market-led approach practised by MicroSave. He has over 30 years of experience working with banks, MFIs, telecoms, MNOs, regulators and international funding agencies in Bangladesh, India, Indonesia, Nepal, Pakistan, the Philippines, Vietnam, Zimbabwe, Kenya, Uganda, South Africa, Tanzania and  Zambia. He also oversees our work in the areas of Digital Financial Services; Training; Knowledge Management; Research; and Responsible Finance. During his time as the head of MicroSave in Africa, he spearheaded work to transform both Equity Bank and Kenya Post Office Savings Bank, and collaborated in the design and initial testing of M-PESA. He now heads several teams working on digital financial services solutions for banks, mobile network operators and MFIs in Asia, Africa and Latin America.

Recent examples of his work include:

  • Agent Network Accelerator (ANA) Programme in multiple countries in Asia (India, Pakistan, Bangladesh and Indonesia) and Africa (Kenya, Uganda, Nigeria and Tanzania) - USD 6.92 million project funded by Bill and Melinda Gates Foundation to identify the factors responsible for success or failure of specific agent networks across the world followed by a 2-pronged strategy to increase global understanding of how to build and manage sustainable CICO (cash-in/cash-out) networks in poor communities to substantially increase global understanding of how to build and manage sustainable CICO networks in poor and rural communities, leading to a significant expansion in digital financial inclusion, both in FSP focus countries and globally.
  • Digital Financial Inclusion in India (DFII) – DFII is a USD 8.49 million project funded by Bill & Melinda Gates Foundation for enhancing access to digitised G2P payments. It involves providing technical support to banks, ANMs and MNOs; as well as policy advocacy to address some of the major barriers in the way of enhancing digital financial inclusion in India.
  • Action Research Programme for Innovation (India) - USD 6.32 million project funded by Bill & Melinda Gates Foundation aimed at optimising the provision of high-impact, scalable microfinance products and improve the outreach as well as efficiency to reach greater scale in India. This program had supported research and innovative product design experiments to offer appropriately designed products – which include design features, price, incentives, and delivery channel- to poor people. The project was divided into two main components:
    • An Action Research Partner program to support product innovation; and 
    • Development and dissemination of toolkits and related materials to support the development of microfinance in India and other parts of the world.
  • Technical Support to Partner MFIs (the Philippines) - USD 2.025 million project funded by Opportunity International Australia to provide comprehensive institutional development support in the areas of strategy development, governance, product development and refinement, process definition and optimisation, internal controls, and information management to OI investee MFIs (ASKI, TSKI, TSPI and KMBI) and a small Bank (OK Bank).
  • MFI Development Programme (Indonesia) - USD 1.17 million project funded by Rabobank Foundation and Cordaid aimed at strengthening a selected group of microfinance institutions (MFI) in Indonesia, and to train 5 local experts (consultants) in MicroSave toolkits broadly in the areas of Strategic Business Planning, Process Mapping/ Operations Manual, HR Analysis & Manual, Internal Audit & Control, MIS, Financial Management, Product Development and Risk Management.  15 MFIs were selected as technical assistance (TA) partner under the programme, which includes 5 rural banks, 6 co-operatives, 3 credit unions, and 1 venture capital company – spread across Java and Bali islands of Indonesia. 
Prior to establishing MicroSave, Graham helped develop, test and implement a sustainable rural savings and credit programme for BURO, a large and influential MFI in Bangladesh. He also provided long-term technical assistance to a rural finance system setting up self-help “Savings and Loan Groups” linked to strong cooperatives in a remote mountainous area of the Philippines.
He has developed 14 training toolkits and published over 70 peer reviewed papers and briefing notes, including the book “MicroFinance Systems: Designing Quality Financial Services for the Poor” (Zed Books, London and New York, 2000). He has served on a variety of advisory panels including CGAP’s Savings Mobilisation Working Group and its Product Development Group, the Ford Foundation’s ImpAct programme and for the Bill & Melinda Gates Foundation. He is a Research Associate at the Institute of Development Policy and Management, University of Manchester. He began his career in management consultancy, training and audit with Arthur Andersen in Europe, where he worked for 5 years. He is a Chartered Accountant by profession and a MA (Hons) graduate in Economics and Psychology from University of St Andrews.