Research Team Akhand Jyoti Tiwari


Senior Manager - Research

Akhand Jyoti Tiwari is a Senior Manager at MicroSave. He leads our Research Working Group. Akhand has around 9 years of experience in research and technical assistance on financial inclusion projects across Ethiopia, India, Kenya, Lao PDR, Nepal, the Philippines Zambia (onsite); and Uganda, Indonesia, Papua New Guinea (offsite). His area of expertise include client centric market research and design approaches, behavioural economics, and financial capability. He specialises in technical assistance for financial inclusion specifically microfinance and digital financial services (DFS). Akhand’s work include using Market Insights for Innovation and Design (MI4ID) approach to design and conduct market research to understand financial behaviour and tendencies of low-income segments; developing business strategy for DFS providers, and designing DFS products and systems.
Some of his recent work includes:

  • Technical advisory to Equity Bank, Kenya, funded by Bill & Melinda Gates Foundation: advising the bank’s corporate team design of business-to-business payment product, working with the credit team to launch credit products through DFS channels, and supporting market research to identify ways to decongest bank branches.  (2013-2015)
  • Agent Network Assessment research for DFS providers in India, Kenya, Zambia, Nepal and Ethiopia; and recommending strategies to design robust agent networks.  (2011-2oi5)
  • Development of an insurance product concept for Leapfrog in India: through mix methods based field research to draw behavioural insights on perception and use of insurance products by low-income households and designing a low fidelity product prototype.  (2014-2015)
  • Technical Advisory to MM4P-UNCDF including assessment of potential of DFS services in Lao PDR; development of DFS framework and action plan to implement the strategy and development of strategic plan for service providers.  (2014)
  • Training senior staff of eight banks in Nepal, funded by MM4P-UNCDF on adopting customer journey approach to develop digital financial services and products. (2014)
  • Training needs assessment and curriculum design for agents and agent management staff of HDFC Bank in India, funded by Bill & Melinda Gates Foundation. (2014)

Before joining MicroSave, Akhand worked with the Centre for Micro Finance at IFMR, Chennai. He worked on two major research studies: impact evaluation of an MFI’s financial programme including health education, and, awareness of loan contracts amongst the MFI clients. He also conceptualised topical studies on microfinance dropouts; state of financial inclusion in the states of Madhya Pradesh and Jharkhand; profiling microfinance clients; and understanding cattle markets in Uttar Pradesh. He holds a Post Graduate Diploma in Forest Management from the Indian Institute of Forest Management (IIFM) in Bhopal. Akhand is fluent in English and Hindi and has a working knowledge of French.