Patrick Meagher Email & Phone Number

Amherst, Massachusetts, United States

Research, analysis, advice on the policy and regulatory dimensions of financial inclusion, digital finance, microfinance:Digital credit and consumer protection: research and analysis on emerging regulatory approaches to the risks of digital consumer lending (2023-present).Distribution: Research and analysis on regulatory issues for use of agents (2019-2023). Initiatives on payments in Morocco, agent banking in Liberia, fintech in Mexico, and hybrid DFS distribution mechanisms in China and Indonesia. Recommendations led to policy change in Indonesia and Morocco.Platforms: Research and writing on financial services embedded in e-commerce, social media, ride-hailing and other digital platforms. Services include payments, remittances, branchless banking, and crowdfunding. Case studies of Mexico and India (2020-22).Research and analysis (2021-2) on the role of financial services in provision of essential services (healthcare, education, housing); policies on government transfer payments (G2P) with regional focus on the Sahel; and development of political economy analysis tools and country study (Lebanon) related to financial inclusion.COVID-19 policy responses: research, country interviews (e.g. Mexico, Peru, Senegal), writing guidance documents on microfinance in pandemic conditions (2020).Research and analysis (2018-19) on anti-money laundering regulation, regulation of interest rates, foreign remittances, and consumer protections based on customer outcome principles.Comparative study (2017-18) of basic digital finance “regulatory enablers” – frameworks for non-bank e-money issuance, use of agents, customer due diligence, and consumer protection – across ten countries. Follow-on work with UNCDF, focusing on civil law countries (2019-20).Study of the regulatory framework for digital finance in Cote d’Ivoire and other member states of the West African Monetary Union. Recommendations led to policy change.

Amherst, Massachusetts, United States

Consulting on -Financial inclusion:The role of businesses in responses to refugee crises: Produced case study on partnerships between mobile money providers and humanitarian agencies to provide cash transfers to displaced persons in Uganda (U.S. State Dept., Urban Institute, 2018).Research and advice to banking authorities in China, Jordan, Mongolia, and Thailand on regulatory approaches to extend financial services to poor rural populations (Asian Development Bank and GIZ, 2009-2014).Governance and anti-corruption:Political economy assessment, Moldova: Analysis of potential opportunities and constraints to decentralization reforms (USAID/Urban Institute, 2018).Anti-corruption assessment, Bangladesh: Team leader, analysis of potential governance interventions focusing on food and agriculture, health care, and environment sectors (USAID/Social Impact, 2015).Thematic Review on Corporate Compliance to Prevent Corruption: Analyses of 31 Asian-Pacific countries’ implementation of UN Convention Against Corruption (ADB/OECD, 2013-14).Fragile States: Produced literature review, discussion papers, analytical frameworks on state-building, service delivery, microenterprise; designed pilot projects (OECD/World Bank/USAID/IRIS, 2005-2008).Program evaluation:Legal Enabling Environment II: Led review of global project on improving legal framework for independent civil society organizations. Case studies of four countries (USAID/NORC, 2018).Open Government Partnership. Team leader, interim evaluation of global multi-stakeholder initiative of governments and civic sectors in 70 countries (OGP/USC-DPMG, 2016-17).Pacific Private Sector Development Initiative: Conducted evaluations of 14-country project to strengthen the legal-regulatory framework for the private sector (ADB, 2011 and 2017).Partnership for Transparency Project, Azerbaijan. Team leader for review of anti-corruption program by Transparency International chapter (USAID/Democracy Int'l, 2014-15).

College Park, Maryland Usa

Research center on the role of governance institutions in economic development and post-socialist transition. Responsibilities: research and analysis, project leadership and management, program design and evaluation, proposals for new grants and contracts. Projects included:Assessing the Impact of Innovation Grants (B. and M. Gates Foundation grant, 2006-2010). Analyzed enabling environment issues affecting microfinance grantees in several countries. Fieldwork in Malawi.Service Delivery in Fragile States (OECD, 2007-8). Wrote discussion paper to provide conceptual guidance. (Wrote related analytical paper for USAID, discussed at UN meetings, 2005.)Microfinance regulation (USAID/Swedish SIDA/Sa-Dhan, 1998-2008). Reviewed existing laws and policies on microfinance, did comparative analyses, proposed new policy frameworks, legislation, and regulations in India, Malawi, South Africa, and Zambia (comparative studies: Indonesia, Mexico).Anti-corruption assessments, research, advice, programming, strategy, Europe and Eurasia (ADB/USAID, 2001-7). Regional research and conferences, analysis and advice in Bulgaria, Macedonia, Uzbekistan.Anti-Corruption Agencies Review (World Bank 2002-4). Analyzed comparative experience, developed three in-depth case studies, presented overall analysis.Secured transactions reform (ADB, IADB, USAID, 1994-2003). Provided analysis and reform proposals on commercial credit for small-medium businesses in Bangladesh, Colombia, and Sri Lanka. Managed multi-year project in Central Europe (Albania, Bulgaria, Lithuania, Macedonia, Poland).Decentralization, Governance, and Public Services (World Bank Netherlands Trust Fund, 1999 – 2001). Research on effects of devolution on quality of governance, with focus on corruption in public services in the Philippines and Uganda.

Washington, D.C.

Washington, District Of Columbia, United States

Washington, D.C.

Washington, D.C.

Kisangani, Democratic Republic Of Congo (Zaire)

College educator and teacher-trainer.

Juris Doctor, Magna Cum Laude

Activities and Societies: Fellowships: Fulbright and Sheldon (Harvard) Fellowships for Research and Travel (1989); Human Rights.

Master Of Arts (M.A.), Moral Philosophy

Bachelor'S Degree, International Relations And Affairs (School Of Foreign Service), Magna Cum Laude

Activities and Societies: Phi Beta Kappa