Sergio Navajas is a senior specialist at the IDB Lab with over twenty years of experience in financial inclusion. He has led groundbreaking research initiatives such as the Global Microscope on Financial Inclusion in collaboration with Economist Impact, as well as numerous regional projects and influential publications. His recent work focuses on digital payments, artificial intelligence and engaged in advancing tokenization and payments for development. Previously, he served as a senior economist at USAID, a researcher at The Ohio State University, and a loan officer at Banco Bisa de Bolivia. He holds a bachelor's degree in Economics from the National University of Tucumán and both a master's degree and a Ph.D. in Development and Finance from The Ohio State University.