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

Technical Assistance for Mobile Wallets for the Oral Segment (MoWO)

MicroSave presented its work on developing mobile wallet interfaces for oral customers at a Learning Event co-organised by CGAP, LeapFrog, Dvara Trust, and SPTF.

Technical Assistance for Mobile Wallets for the Oral Segment (MoWO

A focus on oral customer segments has a wide range of benefits, including the possibility of a reduction in the gender gap and adoption of financial services. He concluded by highlighted how MoWO (MicroSave’s mobile wallet interface) can lay the foundations for better digital interface designs for education, health, and livelihoods.

Agent Network Accelerator Research Survey – India Country Report 2017

MicroSave conducted the second wave of the ANA survey India in 2017. This wave of ANA builds on the findings of the first wave undertaken in 2015.

Agent Network Accelerator Survey: Bangladesh Report 2016

This report highlights findings on the DFS agent landscape in Bangladesh covering agent profitability, transaction volumes, liquidity management and other important strategic considerations.

Addressing the Soil Health Crisis in India

The Prime Minister in India launched a “Soil Health Card” (SHC) scheme to rejuvenate India’s exhausted soil. How behavioural approach can help in understanding the needs of the farmers

The Four Zones: A Missing Chapter in the Financial Inclusion Guidebook

The blog focuses on the four personas that represent the majority of the mass market that has been the target for financial inclusion in India

Lessons from Orality for Digital Financial Services Development

At 6:30 a.m.,in a busy wholesale vegetable market on the outskirts of Varanasi, Shanti Devi is haggling with the wholesale vendor of cauliflower. The price is negotiated at ₹300 a sack. Shanti takes out two ₹500 currency notes from her batua (cloth purse) and hands it to the vendor for two sacks. The vendor hands […]

Digital wallet adoption for the oral segment in India: Concept development for MoWo (Mobile Wallet for Oral)

The objective of this research was to develop conceptual wireframe of a mobile wallet for ‘oral’ people to use. The user interface was developed keeping in mind the cognitive usability constraints of oral segment.