Daryl leads the research efforts of Bankable Frontier Associates, with a specialization in the demand-side dynamics of development finance. She was the principal investigator of the Financial Diaries, 2003-2004 field study based at the University of Cape Town, South Africa and is a co-author of "Portfolios of the Poor". Daryl began her career as an emerging market economist at a New York investment bank before moving to South Africa in the late 1990’s. She ultimately joined the finance faculty of the University of Cape Town, where she leveraged a successful career in portfolio management into research on the financial behavior of the poor. Daryl holds bachelor's and master's degrees in economics from the London School of Economics and a PhD in public policy from New York University.