Michelle Kaffenberger is a senior research adviser consulting for the World Bank and CGAP. She has designed, led, and advised on dozens of quantitative, qualitative, and mixed methods empirical research studies on financial inclusion, social protection systems, and education. In addition, she is a research fellow with the RISE Programme at Oxford University, where she analyzes education systems, learning outcomes, and the impact of learning on health, women’s empowerment, and financial inclusion outcomes. Ms. Kaffenberger has served as research adviser and consultant to the Bill & Melinda Gates Foundation, the United Nations, the Asian Development Bank, and a variety of private sector and nonprofit organizations. Previously she was research manager and lead analyst at InterMedia, an international development research organization. She began her career establishing a new base of operations for an international nonprofit in Darjeeling, India.