Akhand Jyoti Tiwari is a Senior Manager at MicroSave. He leads research technical working group. Akhand has over 9 years of research and technical assistance experience in development finance in Onsite: Ethiopia, India, Kenya, The Philippines, Lao PDR, Nepal, Zambia; and Uganda, Indonesia, Papua New Guinea (offsite). His area of expertise includes microfinance, digital financial services (DFS), behavioural economics, financial capability, client centric market research and design approaches, and M&E. He uses MI4ID approach to design and conduct market research to understand financial behaviour and tendencies of low-income segments; develops business strategy to develop digital financial services and microfinance and develop financial products for low income segment using customer centric approaches.