Meet the Practitioners

Khurram Sikander is Global Group Lead for Digital Payments in Enclude’s Channels and Linkages practice, where he advises partners on innovative business models that

Khurram-Sikander-photoenhance the customer experience when it comes to their interactions with financial services. In addition to his consulting role, he oversees global teams that help clients develop strategies and implementation plans that expand access to finance through technology. Khurram has over 15 years of experience working in both technology organizations and financial institutions in the U.S. and Pakistan. He has also worked in Rwanda, Ethiopia, Uganda, Kenya, and South Africa. In his spare time, Khurram is an avid photographer and Arsenal fan

Tricia Cuna Weaver is a Consultant in Enclude’s Inclusive Finance and Channels & Linkages practices, contributing to project execution and business development in the Tricia-Weaverareas of small and medium enterprise (SME) finance and digital financial services (DFS) globally. Her consulting engagements include a focus on financial institution (FI) strengthening for SME banking through the conducting of institutional diagnostics and SME banking needs assessments, as well as the development of SME credit scorecards. She also works with clients seeking to design and scale branchless banking and digital payments initiatives, providing support in strategy development, business planning, research, and project management. Ms. Weaver has a B.S. in Foreign Service from Georgetown University’s School of Foreign Service (SFS) and a dual-concentration M.A. in International Economics and Relations, with a focus on Finance & Development, from the Johns Hopkins School of Advanced International Studies (SAIS).

Michael Adenuga is a strategy consultant with extensive experience providing strategy and operation advisory services to both private and public organizations. His WIN_20141019_124906 (2)experience cuts across various industries includingbanking/financial services, payments, FMCG, oil & gas, manufacturing and agriculture. Michael spent the earlier part of his career in Nigeria working for one of the largest financial institution in Africa and thereafter joined a strategy consulting firm where he assisted several organizations across West Africa to solve their critical business and management  challenges.Among several projects he work on, he led the corporate transformation of a distressed USD $3 billion Nigerian commercial bank, after which the bank recorded a before tax profit of $106 million after prior years of losses. He later on Joined Enclude in the United States where he currently provide advisory services to financial institutions and telcos in some of the most challenging markets globally to improve their competitiveness through the design and deployment of innovative alternative delivery channels.  Michael holds an M.Sc (Distinction) in International Business & Management from Manchester Business School in England; he has attended several management training in leadership, finance, six sigma, project management, data analytics, marketing and strategy. He also enjoys following updates on space science and theoretical physics.

Sachin Bansal is a Digital Finance expert with over a decade of experience, currently working with a technology company (Sub-K) to build and strengthen their agent network Sachinfor delivering mobile financial services in Hyderabad, India. In his previous consulting engagement in Ethiopia, Mr. Bansal was co-lead for a national initiative in Ethiopia to digitize at scale agricultural input vouchers for more than 4 million small-hold farmers using a combination of online and offline branchless distribution strategies and platforms.  Prior to his work with Enclude, he has served as Payments Team Lead for South Asia Advisory with the International Finance Corporation. In this role, he worked with various digital finance companies (FINO, Suvidhaa, Axis Bank and MNepal) to expand their agent network in underserved areas and supported them to launch new financial products.  Prior to IFC, he has worked as a digital finance consultant with MicroSave and have led more than 50 technical assistance assignments for capacity building of mobile money players and various financial institutions and have helped them to design alternative delivery channels in India, Philippines, Indonesia and Kenya. In his spare time, Mr. Bansal loves to travel to the hills for an introspective journey (Shodh Yatra).

Paul Newall is Paul-Newall-320a Digital Financial Services Analyst based in Enclude’s Washington, DC office. Paul possesses more than four years of experience in international development, specifically a focus on development finance. Paul works in Enclude’s Channels & Linkages Practice, conducting strategy, research, and implementation work with some of the most important stakeholders in alternative delivery channels, branchless banking, and mobile finance services. Paul’s work is aimed at the promotion of inclusive finance, and his work involves working with banks, microfinance institutions, cooperatives, mobile network operators, and regulators across Asia, Africa, Eastern and Central Europe, the Middle East, and Latin America to deploy effective branchless banking approaches. Mr. Newall has a B.A. from James Madison College at Michigan State University and an M.A. from King’s College London. In his spare time, Paul plays soccer and is a Tottenham Hotspur fan.