Julia Arnold

Financial Inclusion and Livelihoods Specialist

Julia Arnold is a Financial Inclusion and Livelihoods Specialist at ICRW. In this role, Julia provides technical inputs to research and evaluations focused on gender, women’s economic empowerment and livelihood development.

Julia has ten years of experience working on financial inclusion, microfinance and savings-related projects ranging from customer-centric approaches to product and service design, employee and agent empowerment, entrepreneurship and research and evaluations on digital financial services (DFS) solutions, particularly those aimed at women. In her role at ICRW, Julia focuses on research and evaluations on issues related to women’s economic empowerment, gender and social norms, inequality, financial inclusion, livelihood building and curriculum design and development.

Prior to joining ICRW, Julia worked as a financial inclusion consultant for the World Bank, CGAP, CFI, MetLife and others. She led research on women and savings group dynamics, usage of and access to mobile technology, and women’s barriers to entry to financial product markets. She co-authored a guide for financial service providers seeking to empower their customer-facing staff and banking agents with the aim of enhancing and improving customer relationships and retention. She also co-authored a global landscape of financial capability-building financial products and services.

Education: Julia holds a M.A. in International Development from American University.
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Economic Empowerment, Employment and Enterprises, Financial Inclusion

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