Akhand Tiwari


Akhand Jyoti Tiwari is a Partner at MSC and leads BFSI work. Akhand brings multiple years of experience in development consulting.

He works closely with policymakers, practitioners, academics, and investment & donor agencies. Akhand's recent work includes strengthening policies and practice on financial inclusion, and unpacking barriers to gender equality to promote women's economic empowerment. Akhand also actively guides MSC's work on unpacking behaviour of low and middle income segments; and using design thinking to solve strategic and tactical challenges of MSC's clients.

Posts by Akhand Tiwari

“Train me like this”: Lessons from a pilot with CDOT and JRGB on CICO agent training

As per the RBI guidelines, BC agents need to clear the IIBF BC/BF examination to continue offering BC services. However, CDOT, a BCNM, faced issues while helping its agents clear the IIBF BC examination. This deck details the concept we tested to increase the pass percentage of CDOT agents.

“Train me like this”: Lessons from the pilot on IIBF BC/BF certification

Between 2012 and 2021, out of approximately 300,000 agents, who appeared for the IIBF BC/BF exam, only 62% passed the exam. This blog details out the challenges faced by BC agents in passing the IIBF BC/BF exam. It also offers suggestions to policymakers on graded certifications based on the type of services offered by BCs.

Facilitating cottage, micro, small, and medium enterprises during the pandemic

The op-ed stresses the challenges 7.7 million CMSMEs face in Bangladesh that are in distress due to the COVID-19 outbreak. It analyzes gaps in the government’s current relief package and suggests strategies to improve grassroots entrepreneurship in Bangladesh.

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?