Swati is a development researcher with over fourteen years of experience advising businesses, international development organizations, and governments on ways to ensure inclusive development, especially when using digital pathways. She has worked on the interconnected themes of digital financial inclusion, financial literacy, women’s economic empowerment, digital livelihoods, and consumer protection. Swati has worked with GIZ and MicroSave Consulting, where she worked on advancing digital financial inclusion in Asia and Africa. She holds a Ph.D. in economic geography and is a German Chancellor Fellow 2017-2018. She has conducted extensive research on the financial transitions of refugees in Jordan and Germany, specifically exploring the role of digital financial services. Swati’s contributions are disseminated through academic papers, reports, essays, blogs, and articles. She currently serves as a consultant for various development organizations.