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

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”.

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.