Harish leads a global team on payments and market infrastructures in the Finance, Competitiveness and Innovation Global Practice at the World Bank. He is a core member of cross-sectoral teams on financial inclusion, ID for Development, Government payments, Digital Economy and FinTech. He represents the WB in working groups of the Committee on Payment Market Infrastructures (CPMI) at the Bank for International Settlements, International Organization of Securities Commissions (IOSCO) and the Financial Stability Board (FSB) on topics related to payments, market infrastructures and Fintech. He was a lead contributor to the IMF-WB Bali Fintech Agenda and co-chaired CPMI-WB taskforce on Payment Aspects of Financial Inclusion. He is on the editorial board of the Journal of Digital Banking and a guest editor at the Journal of Payments Strategy and Systems. Prior to joining the WB, Harish worked with VISA Inc (South Asia region) in senior positions in business development, operations and risk management; and had early career stints in Citigroup, Infosys and other technology companies in the areas of payment systems and retail banking. Harish holds an under-graduate degree in Electrical and Electronics Engineering from IIT-Madras and a Post Graduate Management Diploma, from IIM-Calcutta specializing in IT systems and Finance.