Akhand Tiwari

Associate Partner

Akhand Jyoti Tiwari is Associate Partner at MSC. He leads behavioral research and design work in the organization and has worked in Bangladesh, Cambodia, Ethiopia, India, Indonesia, Kenya, Qatar, the Philippines, Lao PDR, Nepal, and Zambia. Akhand also 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, and user experience. His experience in program design covers multiple areas, such as financial capability, marketing, and communication. Akhand has worked with various 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, he worked with the Centre for Micro Finance at IFMR, Chennai, India. Akhand holds a Postgraduate Diploma in Forest Management from the Indian Institute of Forest Management (IIFM) in Bhopal. He is fluent in Hindi and English and has a working knowledge of French.

Posts by Akhand Tiwari

Coping with COVID-19 in Bangladesh

The report discusses what the LMI segments know, understand, and feel about the COVID-19 outbreak and examines its effect on them. The report also highlights actionable recommendations for policymakers to design suitable interventions that can help the LMI segment cope better in this difficult situation

Coping with COVID-19

The report discusses what the LMI segments know, understand, and feel about the COVID-19 outbreak and examines its effect on them. The report also highlights actionable recommendations for policymakers to design suitable interventions that can help the LMI segment cope better in this difficult situation.

Is it the right time to push for wallet interoperability in Bangladesh?

Covid-19 is impacting people’s lives in multiple ways. With restrictions on movements and fear of getting infected, people are staying homes. While this is the right thing to do, one still need to purchase household essentials and send money to relatives who need it. Essential services industries also need constant cash flows and payments. Jamal […]

The economies have been hit already—we now need palliatives and ultimately cures

An economic pandemic is upon us as the COVID-19 infection continues to spread around world, affecting a billion people from the low-income segment. Our blog looks at why policymakers need a feedback loop of evidence-based information for governments to develop and deploy effective policy measures.

Digital ROSCA—the new kid on the block

Millions of low-income people across the world use ROSCAs as instruments of savings and credit. Since these people are susceptible to income volatility, ROSCAs give them the unique option to pursue a savings goal, as well as an opportunity to build social capital and creditworthiness.

When inclusion is not inclusive: What needs to change to achieve meaningful financial Inclusion for women

Financial inclusion sector’s combined efforts have not succeeded in making an impact on women. Mainly for reasons – significant variations in their behaviour and ecosystem players generally overlooking gender centrality in the design of financial products and services

Why does research matter in human-centered design

Human-centered design often stumbles due to inadequate research. This note emphasizes the importance of research to gain rich customer-centric insights—the most important element of HCD.

Bangladeshi MFIs need to reinvent themselves for women: Why digitizing MFI operations is a good idea

We explore the importance of digitization for MFIs and the impact of microfinance in empowering women in Bangladesh through our concept of “Financial Services Space”.