Amrita Vir, a regular contributor to the blog Next Voices, works at Cignifi, Inc., an alternative data analytics startup that uses telecom data in emerging markets for financial inclusion. She has studied at Harvard Business School and the Harvard Kennedy School of Government, pursuing a career in financial inclusion at the intersection of innovation and regulation. Vir was also research assistant to Jo Ann Barefoot, senior fellow at the Mossavar-Rahmani Center for Business and Government and a member of the Banking Exchange Editorial Advisory Board.