Julia Arnold


An expert in gender and financial inclusion, Julia Arnold serves as a consultant for CFI.  Prior to her role as a consultant, she was CFI’s Senior Director, Gender and Financial Inclusion, from 2020 to 2022. She led the women’s financial inclusion workstream, spearheading this research pillar as well as embedding gender throughout CFI’s work.

Julia has more than 12 years of experience in inclusive finance, leading implementation and research projects across a range of customer- and provider-focused topics such as digital financial inclusion, financial capability, and microsavings. Julia brings an understanding of the enabling environment needed to catalyze real change for women’s economic lives, as well as a deep understanding of the microeconomic constraints to women’s empowerment.

Prior to CFI, Julia was Financial Inclusion and Livelihood Specialist at the International Center for Research on Women (ICRW) where she led mixed-methods research and primary data collection for evaluations and gender analyses, as well as curriculum development for youth and adults, focused on household dynamics and livelihoods. Before this, she was a consultant working with a diverse range of clients such as MetLife Foundation, CGAP, the World Bank, CFI, and others.

Julia holds a master’s degree in international development from American University in Washington, DC.

Latest by Julia Arnold

Report • Jun 15, 2022
Making Digital Financial Capability Programs Work for Women
Report • Dec 02, 2021
Better Practice Guidance on Women’s Digital Financial Capability
Blog Post • Aug 17, 2021
Financial Inclusion Must Address Restrictive Social and Gender Norms
Report • Jul 13, 2021
Normative Constraints to Women’s Financial Inclusion: What We Know and What We Need to Know
Report • Jun 17, 2021
Building Women’s Financial Capability: A Path Toward Transformation
Blog Post • Apr 22, 2021
Leveraging Digital Financial Capability to Drive Women’s Financial Inclusion
Blog Post • Mar 29, 2021
What Does It Take for a Woman to Become Financially Capable?
Blog Post • Mar 08, 2021
Care Work During Crisis: Pandemic Unravels Fragile Gains in Gender Equality
Blog Post • Feb 04, 2021
Revisiting Building Financial Capability with a Gender Lens
Brief • Jan 28, 2021
The Case for a Gender-Intelligent Approach: An Opportunity for Inclusive Fintechs
Blog Post • Oct 14, 2020
Reimagining Inclusive Finance With Women In Mind
Blog Post • Sep 15, 2020
The Time Has Come for Gender Transformative Approaches
Blog Post • Jul 11, 2016
Financial Vulnerability Is Hiding in Plain Sight in the U.S.
Blog Post • Apr 12, 2016
A Change in Behavior: Innovations in Financial Capability
Report • Apr 07, 2016
A Change in Behavior: Innovations in Financial Capability
Blog Post • Apr 05, 2016
Improving Access and Usage of Financial Products and Services in China
Blog Post • May 18, 2015
BASIX: A Different Take on Building Financial Capability in India
Blog Post • Mar 24, 2015
Calling All Innovations in Financial Capability! A New FI2020 Project Needs to Hear about You
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