Michael is the Senior Advisor, ICT & Digital Financial Services at USAID. He has 25 years of experience with transactional intelligence solutions for communication service providers. Michael’s thought leadership on the application of mobile money and mobile commerce for high growth emerging markets and social impact development has been recognized by GSMA, USAID, and the Bill & Melinda Gates Foundation. He has worked as an advisor to mobile network operators, financial institutions and their implementing partners on best practices and regulatory frameworks supporting electronic money services in Eastern Europe, Central Asia, the Americas, and across Sub Saharan Africa. Michael has worked on electronic payments and digital financial services projects for private and public sector clients focused on emerging markets and fragile states including Afghanistan, Haiti, Georgia, Liberia, Somalia, and Zimbabwe.