During 1995-2000, I was co-founder and executive director at the Digital Frontiers Institute, a not-for-profit that develops professional development training courses around digital money and payments. I am also a Senior Fellow at the Fletcher School's Council on Emerging Market Enterprises at Tufts University.

Previously, I was Deputy Director in the Financial Services for the Poor program at the Bill & Melinda Gates Foundation and Senior Advisor at the Technology Program at CGAP. I have been Director of Global Business Strategy at Vodafone Group, Executive VP of Marketing and Account Management at DoCoMo interTouch, and Senior Manager responsible for telecoms investments in Europe for Intel Capital.

I have undergraduate degrees in maths and economics from MIT and a PhD in economics from Harvard University. I have been Adjunct Professor at the Booth School of Business at the University of Chicago.