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

Understanding remittance networks in Punjab and Uttar Pradesh

This research explores the various remittance options currently available to Indian migrant workers in Punjab and recipient families in rural Uttar Pradesh. It also examines the benefits a business correspondent (BC) remittance service may provide to both.

Leveraging Unique Identification (UID) for Mobile Banking in India

This Note takes a closer look at how UID can make m-banking more accessible in India.

Measuring Willingness to Pay

This Note presents the development and the implementation of an innovative qualitative research tool directed at determining the level of ‘Willingness To Pay’ (WTP) for BC services.

Clients’ Willingness to Pay “Reasonable Fee” for BC Services

This Note discusses whether end customers are willing to pay for financial services delivered by Business Correspondents, and if yes, how much are they willing to pay.

Comparing Business Correspondent With Informal Saving Avenues

This Note focuses on comparing informal saving avenues with “Business Correspondent” (BC) services on a variety of attributes.

Why People Do Not Use Present Banking Systems – A Case For BCs

This Note examines the difficulties faced by low income households accessing banking services and presents a case for the acceptance of BC model for expanding the reach of banking services.

Understanding remittance networks in Gujarat, Orissa and Bihar

This research explores the remittance options currently available to Indian migrant workers in Gujarat and recipient families in rural Orissa and Bihar. It also examines the benefits of a business correspondent remittance service.

Relative risk to the savings of the poor in Rajasthan

In order to understand how poor people save and the relative risks involved, MicroSave conducted a study in three different Indian states – Rajasthan, Uttar Pradesh, and Tamil Nadu this past year. This paper highlights learning from Rajasthan.