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Our Team

Since 2006, PHB Development has grown from one person to a team of seasoned professionals with the same vision of addressing the new opportunities and challenges presented by the rapidly evolving market of financial services and delivery channels – mobile, biometry, cards, ATMs, POS terminals and agent networks.

Associates & Consultants

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Alejandra Fabrega

Strategy & Financial Analysis Expert

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Andrew Tumwesigye

DFS Consultant

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Celse Maregarege

Agent Banking Consultant

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Chris Statham

DFS Consultant

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David Kleiman

Digital Financial Services & Branchless Banking Expert

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Emmanuel Mudahemuka

DFS Consultant

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Eric di Betta

Strategic Marketing, Telecoms & Payment Expert

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Isabelle Mușat

Digital Financial Services & Financial Inclusion Consultant

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Jean Daniel Baloucoune

Systèmes d’Information, Technologie et Finance Digitale

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Lisa Chassin

Financial Inclusion Expert

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Pall Kvaran

DFS Consultant

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Ronald Everts

Distribution channels, Operations and IT Expert

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Stephen Waiswa

Value chain and DFS Expert

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Umberto Trivella

Market Research and Product Design Expert

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Victorin Salifou

MicroFinance & Digital Finance Consultant

Management Team

The management team at PHB Development is composed of a team of partners with expertise in telecoms, retail banking, microfinance, remittances, payments and international development. Our partners share the same passion for delivering innovative financial services that will increase financial inclusion in developing countries.

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Henry Kisembo Clarke

PHB Academy Co-director, Digital Finance, Access to Finance, Value Chain Development

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Philippe Breul

Senior Digital Finance Expert

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Ciprian Panturu

Business modelling and agent network Expert

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Alexandra Sanchez

Training & Research Expert on Branchless Banking and Remittances

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Aurelie Wildt Dagneaux

Microfinance and Social Performance Expert

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Pete Sparreboom

PHB Academy Co-director Financial Inclusion, Training and eLearning Expert

PHB Blogs

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  • Sustainable Technology Adaptation for Mali’s Pastoralists
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  • Adapt or Die! A Changing Landscape for Microfinance
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  • Interview with PHB Associate Emmanuel Mudahemuka
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  • Click to see a complete list of PHB blogs
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PHB News

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  • PHB November News Brief
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  • Case Study: Long Road to Branchless Banking in Africa
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  • Toolkit # 5 Release
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  • Going digital, or stick to cash by PHB Consultant Páll Kvaran
  • Read More

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Contact Us

HEAD OFFICE - BELGIUM

Email : belgium@phbdevelopment.com

To View Regional & Country Offices

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