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

GOOTCHA—A framework to build gender-sensitive ID systems

The World Bank estimates that around a billion people across the globe lack a “legal identity.” The gender gap in terms of people’s access to official IDs is considerable in low-income countries, where one in two women lack any form of official ID. This limits financial, social, and political participation for women.

Working paper: A framework for building gender-sensitive identity systems

One in two women in low-income countries lack official identification documents, which limits their financial, social, and political participation. This report explores the design and lifecycle of ID systems from gender and behavioral lenses and proposes a framework to make them more gender-sensitive.

The impact of Covid-19 on MSMEs and low-income populations in Asia and Africa with Akhand Tiwari.

In the news: Akhand Tiwari gives his views on the impact of Covid-19 on micro, small, and medium enterprises and low-income populations in Asia and Africa.

Making bank accounts work for women: Lessons on designing gender-centric financial services

Reports suggest that two out of three women in PNG face domestic abuse. Due to a lack of formal saving facilities for them, women’s hard-earned money often ends up with their husbands, who usually waste it on gambling or drinking. This blog highlights MiBank’s efforts to bridge the gender gap by introducing gender-centric products.

COVID -19 recovery is likely to fail women- digital financial services can help, if designed well

Response to COVID-19 pandemic needs to be gender transformative so that fundamental gender issues like social norms, access to resources etc are addressed . Can digital solutions help?

A phone can only do so much: Why mobile access isn’t leading to digital financial service usage among women in India

Despite significant progress in financial inclusion, low-income working women have not been able to derive benefits, even when they receive their wages digitally.

Opinion | Designing financial products for women

Current financial service models conflate women with ‘family’, considering them merely an avenue to pursue social welfare

The need for immediate gender-focused initiatives to promote digital financial services for women amid COVID-19: Insights from India

Through multiple research studies, MSC has assessed the impact of COVID-19 on women and witnessed their survival strategies. This report looks at how women perceive financial services after the pandemic, and what we can do to reduce their vulnerabilities.