Senior Systems and Research Specialist

Houle Cao

Bangkok, Thailand

A Senior Systems and Research Specialist for Migration and Remittances, Houle uses financial inclusion data and research to inform the development of policies and practices for financial service providers, investors, and regulators. He provides technical assistance to remittance and other financial service providers on evidence-based decision-making, migrant- and gender-centric product innovation, and policy.

Houle has accrued nearly 10 years of professional experience, serving as a country representative for the State Taxation Administration of China, and then working with the Organisation for Economic Co-operation and Development (OECD) and the United Nations Economic and Social Council (ECOSOC).

Resources by Houle

Articles and Case Studies

Expanding and Digitizing IME Pay’s Women and Migrant Customer Base in Nepal: Consumer Archetypes, Research Findings, and Pilot Projects

UNCDF’s second research insights article on IME Pay delves deep into the access to and usage of remittances in Nepal, exploring how remittances contribute to recipients’ improved financial inclusion and…

Articles and Case Studies

Uncovering Customer Needs to Improve Remittance Access, Usage and Financial Resilience in Bangladesh: Insights from BRAC Bank

Drawing upon UNCDF’s first article on BRAC Bank where research insights were drawn from the analysis of 4.2 million transaction records over the last 5 years, this second article links…

Articles and Case Studies

Shifting From Cash to Digital Remittances During the Pandemic: A Case Study of BRAC Bank in Bangladesh

UNCDF is providing technical assistance to help BRAC Bank better understand its customer data, act strategically on emerging insights, and ensure that innovation remains inclusive and migrant-centred. The research partnership…

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