FIBR Advisors


Ignacio Mas, Executive Director and Co-founder of the Digital Frontiers Institute, 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.  



Kwasi Donkor is Senior Policy Advisor for Digital Finance at USAID. Kwasi leads the Digital Finance team’s Market Engagement work. The focus of this work involves looking for approaches to mainstream the use of digital financial services in priority country markets while working with partners and other US government agencies to stand up key market policy readiness infrastructure.   Prior to joining USAID Kwasi Donkor was based in Kampala, Uganda, where he oversaw Grameen Foundation’s Community Knowledge Worker program. Before joining the Foundation, he was responsible for driving specialized sales and channel management strategy for Tigo Cash, Millicom’s mobile money offering in Ghana. While at Millicom, he built the start-up commercial team that was responsible for launching and transforming Tigo Cash into a multiple award-winning product in Ghana and across West Africa. He was previously responsible for global sales and marketing strategy for Dun and Bradstreet’s enterprise and strategic customers. Kwasi began his career as an analyst in Merrill Lynch’s private client banking business. He received his MBA from the Wharton School at the University of Pennsylvania, where he was a Joseph Wharton Fellow. 



Marissa Drouillard is Senior Director at Caribou Digital. She is a researcher/consultant, avid globetrotter, and adventure sports enthusiast. After 11 years as a business and technology consultant, Marissa plunged into international development focusing on early-stage startups in Sub-Saharan Africa. She has advised mobile industry and international development organizations on digital entrepreneurship topics, including co-authoring several publications on entrepreneurship ecosystem development in emerging markets. Currently, she is developing a platform to channel funding and support to catalyze the growth of inclusive digital businesses and the next generation of technology leaders in Africa. Marissa has an MBA and a Certificate in Global Business from the Haas School of Business and a BSc from the College of Chemistry, all from the University of California at Berkeley, and an MSc in Public Policy with merit from the University of London, SOAS. She is Senior Director of Investment Advisory at Caribou Digital, a boutique consultancy working to build inclusive digital economies in emerging markets, and splits time between Cape Town, South Africa and Lake Tahoe, California.



Matthew Gamser is CEO of the SME Finance Forum, a center for knowledge exchange, good practice promotion and networking managed by IFC for the G-20 countries’ Global Partnership for Financial Inclusion.  He has over 35 years experience in private enterprise and financial sector development.  He has worked for IFC for 10 years in various positions, including heading the advisory services for the financial sector in East Asia-Pacific (from Hong Kong).  Prior to IFC he worked for 25 years in the private sector in management consulting and technology/small scale industry development.  He holds A.B. and A.M. degrees from Harvard University, and M.Sc. and D.Phil degrees from Sussex University (UK), where his work focused on the management of technological change.   



Nate Gonzalez is a Senior Product Manager at PayPal for cross-border P2P services and remittance products. Prior to joining PayPal, Nate was an Investment Officer with Accion Venture Lab, leading the team’s investment and portfolio management work in East Africa. He also worked at McKinsey & Company where he focused on the areas of payments, financial technology, consumer financial services, and financial inclusion. Nate received a bachelor’s degree from Vanderbilt University."




Olga Morawczynski is Program Manager for Financial Inclusion at Mastercard Foundation. Olga manages a portfolio of projects focusing on financial inclusion at Mastercard Foundation. She has spent close to a decade actively working in the financial inclusion sector. She has engaged closely with low income clients to better understand their financial needs, and financial service providers to design and scale impactful solutions. Olga has published her work widely, both through peer reviewed journals and industry focused publications. She has been cited by popular media periodicals, including CNN and the Economist. Olga has a PhD in Science and Technology Studies from the University of Edinburgh, and continues to actively innovate in the industry, engaging providers, regulators and customers to push the needle on financial inclusion.



Roland Amoah is an Associate Director at KPMG International Development Advisory Services (IDAS); he is based in Accra, Ghana, with responsibility for West Africa. Roland has over 19 years of experience in the banking, FMCG, telecommunications, data analytics and consulting sectors including undertaking technical due diligence and organizational assessments.

Prior to joining KPMG, Roland was a Senior Associate in the Business Analytics practice area at BFA. He has senior level experience in business development with Cignifi, a big data analytics company, and mobile financial services with Airtel Ghana. His extensive banking experience includes roles in corporate banking, personal and business banking sales, products and segments, bancassurance, private banking, and SME banking with Ecobank, Standard Chartered and Stanbic Bank.

Roland holds a Bachelor’s degree in Economics with Statistics from the University of Ghana, an MBA in Finance and General Management from Tulane University and has completed Executive Education programs in Leadership Decision Making at the Kennedy School of Government is at Harvard University and Strategic Leadership in Inclusive Finance at Harvard Business School.



Xavier Faz leads CGAP’s work on Digital Finance Frontiers, a global initiative that seeks to expand the application of financial technologies and digital delivery models to enhance financial solutions focused on the poor.  Mr. Faz’s work also includes exploring the link between financial inclusion and access to broader services. Mr. Faz manages CGAP’s work in Latin America.

Prior to CGAP, Mr. Faz was Director for Strategic Planning for a development bank in Mexico, where he developed a cloud based core banking platform focused on the Microfinance Sector, as well as a cards switch for non bank financial institutions.  Before, Mr. Faz was a consultant with McKinsey & Company where he worked with organizations in technology and business model innovation. He has a Master’s degree in Computer Science from Stanford University and an Engineering degree in Electronic Systems from the Instituto Tecnológico de Monterrey, México.