Michael is the Director of the financial services practice at Dalberg Design, based in New York. He supports businesses, governments, and non-profits to reach underserved markets through human-centered product and service design, as well as evidence-based policy reform, leveraging a range of qualitative and quantitative research and analysis methodologies.
He specializes in applied behavioral and psychometric research with recent extensive work in consumer segmentation. His clients include the Bill and Melinda Gates Foundation, the Rockler Foundation, the World Bank, MercyCorps, Accion and a range of partnering financial service providers. He also works extensively on sustainable livelihoods and humanitarian relief, most recently with the African Development Bank.
Prior to Dalberg, Michael was a Research Fellow with the Harvard Innovation Lab and MasterCard Center for Inclusive Growth, where he led in-depth user research into mobile financial service usage amongst low- and middle-income consumers in Indonesia. Michael worked with the Indonesian Central Bank, as well as leading commercial banks and MNOs to inform regulatory and mobile money product design. Michael also led the design and launch of Peace Brigades International's Indonesia Project. Michael holds a Master’s in International Business and International Development from The Fletcher School at Tufts University.