Unpacking User Centricity through the Payments Layer of Digital Public Infrastructure

David is the founder and CEO of Integral: Governance Solutions, a boutique consultancy which supports enhanced collective decision making and change management in the areas of public private partnerships especially digital public infrastructure, ESG integration and tech startups.

David is a seasoned executive and entrepreneur who has founded or co-founded five organizations in the public and private sector but exited from an active role as each came to the next stage of their development. In addition to these five, David has advised on and been involved in the design, setup, executive management, and boards of a number of organizations engaged in digital development around the world.

Originally trained as an economist with a PhD from Yale University, David has domain knowledge in the areas of fintech and development finance, as well as edtech through his role as co-founder of the capacity building platform for professionals in the emerging world called Digital Frontiers.

As Vice President of Consumer Protection and Strategic Industry Engagement, Jayshree leads CFI’s consumer protection research agenda and partnership strategy, contributing to a diverse global portfolio. Her work focuses on emerging risks at the intersection of technology and financial services, with a particular emphasis on human–technology interactions and their implications for consumer protection.

In her role, Jayshree oversees two flagship convenings: Financial Inclusion Week (FIW) and the Responsible Finance Forum (RFF). FIW is the sector’s largest virtual event, which drew more than 3,500 participants from over 140 countries in 2025. RFF is a global platform advancing responsible finance and addressing consumer protection challenges, held annually alongside the G20 Global Partnership for Financial Inclusion (GPFI) meetings.

With over two decades of experience spanning structured finance, innovative business models, consumer research, and policy engagement, Jayshree is deeply committed to advancing financial inclusion and economic development worldwide. Prior to joining CFI, she spent nearly a decade as an independent consultant, advising leading global institutions including CGAP, the World Bank, JICA, and ITAD on customer-centric approaches and barriers faced by low-income populations in accessing and using formal financial services. Earlier in her career, Jayshree was part of the founding team at IFMR (now Dvara Trust) in India, where she led the country’s first mezzanine fund for microfinance, which later evolved into an alternative investment fund. She began her professional journey at ICICI Bank, building a strong foundation in finance.

In addition to her work at CFI, Jayshree is a Senior Policy Fellow at the Leir Institute at the Fletcher School of Law and Diplomacy, where she focuses on financial inclusion challenges affecting vulnerable populations, including migrants and refugees. She has also served as adjunct faculty at the Fletcher School, teaching decision analysis for business. Jayshree is a recipient of the Chevening Fellowship for Leadership from the UK Foreign and Commonwealth Office, completed at King’s College, London.

She earned an MA in International Relations from the Fletcher School of Law and Diplomacy, an MBA from the Management Development Institute in Gurgaon, and an undergraduate degree in Mathematics from Mumbai University.

During her time at CFI from 2012-2024, Alex was an advocate for consumer protection and evidence-based inclusive finance practices.

She managed the responsible data practices research portfolio at CFI which focuses on opportunities and risks for low-income consumers from data-driven financial services. Previously, she was a senior director for CFI’s Smart Campaign initiative, where she managed consumer-protection learning agendas and helped launch the Client Protection Certification Program. She has participated in multiple industry working groups on responsible finance, including an advisory group to GSMA’s mobile money certification program and the Microfinance Center’s social performance fund steering committee.

Alex is a graduate of Princeton University and holds a master’s degree from Georgetown’s foreign service school, as well as a certificate in digital money from the Digital Frontiers Institute and The Fletcher School at Tufts University.