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

Research with a roll of the dice

Gamification plays a crucial role in research, prominently for financial services research where respondents are hesitant around money questions. This blog accounts how games can help gauge right responses.

Nothing wrong calling financial education “Product marketing”

Financial education and product marketing alliance – Can it be the same thing? Find out the relationship between the two here.

Breaking Free from the Myths of Financial Education

This Note examines myths around the design of financial education programmes, and discusses the KSAP framework for designing these programmes.

Role of information sources in financial capability

The key to understanding poor people’s financial management is to understand how they make decisions and what influences the decision making. This research explores the role of information sources in poor households’ decision making processes.

The Answer is “Yes”—Cost and Willingness to Pay in India

This Policy Brief discusses how poor people manage their money better and are willing to pay for more convenient banking services in India.

Banks: The Preferred Remittance Services

This Note discusses the features of two agent-based remittance models introduced by banks

The State of Business Correspondence: Agent Networks in India

This Policy Brief discusses that Financial inclusion cannot happen without agents and it will happen with better and more lasting results if all levels in this effort.

Remittances: The Evolving Competitive Environment

This Policy Brief examines the various facets of remittance product offerings, highlights some important aspects and issues around the different remittance models.