Ms. Bhavana Srivastava is Associate Director, Inclusive Finance & Banking/MSME, Research, Innovative Programmes & Evaluation at MicroSave. She has over 22 years of experience in microfinance, digital financial services, SME banking, research and evaluation. Her core expertise lies in design and implementation of financial sector programmes of governments and donors; strategy and policy formulation for financial inclusion; technical assistance to financial service providers for digital transformation, product and process design, risk management, and customer protection. Bhavana has led several large-scale research projects aimed at generating evidence from the field to inform policy design. She has also conducted post-programme evaluation of projects financed by the World Bank Group, DFID, IFAD, BIO and FMO. She has worked in Bangladesh, Cambodia, India, Indonesia, Lao PDR, Myanmar, Nepal, Papua New Guinea, Philippines, Qatar, Sri Lanka, Tanzania and Vietnam.