Sephora Tshiyombo is a seasoned Digital Financial Services professional and Financial Inclusion expert with over a decade of experience in research, advisory, and implementation, particularly in the Democratic Republic of Congo. Passionate about leveraging digital technologies—especially artificial intelligence—to expand access to financial services, she specialises in agent network development, regulatory compliance, and strategic support for banks and microfinance institutions. With strong expertise in mobile banking, performance evaluation, strategic planning, and grant writing, she has empowered underserved communities through inclusive financial solutions. Sephora's work combines technical proficiency with a deep commitment to sustainable growth and innovation in financial services.