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’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

Optimizing agent network distribution

Agent optimization is a universal challenge. MSC’s geospatial mapping in two blocks of India sheds light on how agents can be placed optimally.

Optimizing agent network distribution

The study showcases the effectiveness of using geospatial analysis and smart data collection techniques. This would help analyze and provide recommendations to improve access to financial services.

Creative economies as a gateway to pro-poor tourism in India

The paper discusses the role that creative economies can play in transforming the tourist regions as engines of youth employment growth and upskilling.

Gender centrality of mobile financial services in Bangladesh

This consumer behavior research aims to investigate why this is so, examining the gender centrality in digital financial services (DFS) in Bangladesh. The study focused only on mobile financial services as the most prevalent form of DFS in Bangladesh.

A comprehensive framework for gender centrality in financial services

This briefing note introduces MSC’s gender centrality framework and explains how financial service providers and policymakers can help to promote the gender equality.

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.