Akhand Tiwari

Associate Partner

Akhand Jyoti Tiwari is Associate Partner at MSC who leads behavioral research and design work in the organization. He has worked in Bangladesh, Cambodia, Ethiopia, India, Indonesia, Kenya, Qatar, the Philippines, Lao PDR, Nepal, and Zambia. Akhand spearheads MSC’s flagship approach to behavioral research and design for financial services—MI4ID.

Akhand Jyoti Tiwari is a Associate Partner at MSC who leads behavioral research and design work in the organization. Akhand has over 11 years of experience in research and technical assistance with financial service providers in multiple countries. He has worked in Bangladesh, Cambodia, Ethiopia, India, Indonesia, Kenya, Qatar, the Philippines, Lao PDR, Nepal, and Zambia. Akhand spearheads MSC’s flagship approach to behavioral research and design for financial services—MI4ID. Akhand’s area of expertise includes the application of design thinking and behavioral economics in the financial services domain. He has worked on microfinance, digital financial services (DFS), SME finance, customer research and customer segmentation, user experience. His experience in program design covers areas, such as financial capability, marketing, and communication. Akhand has worked with diverse financial service providers including MFIs, insurance companies, banks, agent network managers, telecom companies offering DFS, the Government of India, and central banks. Before joining MSC, Akhand worked with the Centre for Micro Finance at IFMR, Chennai, India. Akhand was part of two major research studies: an impact evaluation of MFI’s financial program, including health education and awareness of loan contracts amongst its clients. He also conceptualized short-term studies on microfinance dropouts; the state of financial inclusion in the states of Madhya Pradesh; 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 Hindi and English and has a working knowledge of French.

Posts by Akhand Tiwari

A journey, two decades in the making

Read the story behind how MicroSave started from a small project and grew to MSC (MicroSave Consulting) a boutique consulting company, through 20 years of hard work across geographies.

Are Banks All Set to Dominate Domestic Remittance Market in India?

Driven by the government’s financial inclusion agenda, as the BC model expands in multiple forms, banks and BCNMs are experiencing new consumer demand and expectations.

Redeeming the pledge on gender equality

Across the globe, a billion women remain financially excluded, with a gender gap of 9% persisting stubbornly in developing countries.

Technical Assistance for Mobile Wallets for the Oral Segment (MoWO)

MicroSave presented its work on developing mobile wallet interfaces for oral customers at a Learning Event co-organised by CGAP, LeapFrog, Dvara Trust, and SPTF.

Technical Assistance for Mobile Wallets for the Oral Segment (MoWO

A focus on oral customer segments has a wide range of benefits, including the possibility of a reduction in the gender gap and adoption of financial services. He concluded by highlighted how MoWO (MicroSave’s mobile wallet interface) can lay the foundations for better digital interface designs for education, health, and livelihoods.

Agent Network Accelerator Research Survey – India Country Report 2017

MicroSave conducted the second wave of the ANA survey India in 2017. This wave of ANA builds on the findings of the first wave undertaken in 2015.

Agent Network Accelerator Research – India Country Report

The Agent Network Accelerator (ANA) is a four-year research project implemented in 11 focus countries. MicroSave and the Helix Institute of Digital Finance present valuable insights on the agent network model in India and provide recommendations for developing sustainable agent networks in the country.

Agent Network Accelerator Survey: Bangladesh Report 2016

This report highlights findings on the DFS agent landscape in Bangladesh covering agent profitability, transaction volumes, liquidity management and other important strategic considerations.