NextBillion - An Initiative of the William Davidson Institute at the University of Michigan

Maha Khan is aSenior Research Manager in the Digital Financial Insights department atMicroSave, where she manages and runs the Agent Network Accelerator (ANA) research project. ANA, a collaboration betweenMicroSaveand the Bill and Melinda Gates Foundation, is the largest research project into agent networks in the worlddesigned to determine what drives their success and scale. ANA primarily focuses on eight countries: Kenya, Uganda, Tanzania, Nigeria, Pakistan, India, Bangladesh, and Indonesia. Exclusive research reports from the ANA study are published through The Helix Institute of Digital Finance. Maha is currently based in Kenya, Nairobi

Ghiyazuddin Mohammad is a Manager in the Digital Finance department atMicroSave,currently based in Jakarta, Indonesia?. With more than seven years experience in digital financial services (DFS), micro finance and advisory services, as a financial inclusion consultant Ghiyazuddin has worked in various projects with banks, telcos, agent network managers and MFIs in India, Nepal, the Philippines, Kenya and Indonesia.