Ignacio Mas, Senior Associate at BFA, is an independent consultant on technology-enabled models for financial inclusion, associated with BFA. Ignacio has been Senior Advisor in the Financial Services for the Poor program at the Bill & Melinda Gates Foundation and at the Technology Program at CGAP. Previously he was Director of Global Business Strategy at Vodafone Group, executive vice-president of marketing and account management at DoCoMo interTouch (a supplier of broadband solutions to the hospitality industry), and Senior Manager responsible for telecoms investments in Europe at Intel Capital (Intel Corp’s venture capital arm). Ignacio holds undergraduate degrees in mathematics and economics from MIT and a Ph.D (Economics) from Harvard University, and has been a Visiting Professor of International Business at the Graduate School of Business at the University of Chicago. He has authored many articles and blog posts on mobile money and branchless banking.