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I am a Senior Economist in the Finance and Private Sector Development Team of the Development Research Group at the World Bank in Washington DC. I joined in July 2006 after completing a Ph.D. in Economics from the Massachusetts Institute of Technology. My research is focused on financial development at the household, firm and bank levels, and my work has appeared in top academic journals such as the Journal of Finance, Journal of Financial Economics, and the Review of Financial Studies. I use both experimental and non-experimental methods and some of my recent work includes rigorous impact evaluations of financial literacy programs, testing innovative methods to improve financial access for households and firms, and applying insights from behavioral economics to development finance