Akhand is MicroSave Consulting’s resident guru of behavioural design. He specialises in combining rigorous research with design thinking to solve problems for large-scale impact. He brings in a unique blend of creative thinking and evidence-based solution development into his work. For over 12 years, he has applied his skills across diverse sectors, such as financial services, livelihoods, education, and health. Akhand has worked across themes such as gender, financial capability, digital financial services, customer service, experience, and user interfaces.

• Clients: globally, a diverse set of MFIs, insurance companies, banks, agent network managers, telecommunications companies that offer DFS, impact investors, and central banks.
• Geographies: Africa, Asia

Anup is a customer-centricity and user-centred design evangelist based in Nairobi, Kenya. He proficiently combines qualitative research methods and principles of behavioural economics to identify and resolve problems. Anup has perfected the art and science of customer-centricity development strategy, products, processes, systems, and solutions for low- and middle-income populations. He has provided strategic and operational advisory support to catalyse over 100 financial institutions to adopt user-centred design and innovations for over 12 years and across Asia and Africa.

• Clients: His marquee clients include Equity Bank and HFC in Kenya, Opportunity Banks in Uganda, Rwanda, and Malawi, FSDs - Tanzania, Kenya, and Rwanda; Au SF Bank, Utkarsh, SF Bank in India, Bina Artha in Indonesia, and OK Bank in the Philippines
• Geography: Africa, Asia

Louie Lanzador Cepe is a disruptive thinker based in the Philippines. He specializes in employing behavioural science in understanding customer behaviour to develop financial education advisories and assessment tools for micro-entrepreneurs, livelihood programme beneficiaries, and youth. Louie’s interest areas include process re-engineering, value chain/agri-finance, MSME finance, digital financial services, and agent network management. Louie has over seven years of experience and was last associated with a government-owned and controlled corporation under the Philippines Department of Environment and Natural Resources (DENR) before joining MicroSave Consulting.

• Clients: Microfinance institutions, cooperatives, digital finance service providers, banks, international donors, impact investors, and central bank.
• Geographies: Asia