• Maha Khan
    Maha Khan
    Research & Knowledge Management Lead
  • Victoria Clause
    Victoria Clause
    Research and Monitoring & Evaluation Manager
  • Annabel Schiff
    Annabel Schiff
    Senior Manager, Market Intelligence
  • Niamh Barry
    Niamh Barry
    Senior Manager, MEL
  • Jessica Osborn
    Jessica Osborn
    Senior Manger, Partners
  • Jake Kendall
    Jake Kendall
    Director of DFS Lab
  • Will Croft
    Will Croft
    Director of Data Analysis
  • David Edelstein
    David Edelstein
    Senior Director
  • Chris Locke
    Chris Locke
    Founder
  • Marissa Drouillard
    Marissa Drouillard
    Senior Director
  • Kishor Nagula
    Kishor Nagula
    Director
  • Jonathan Donner
    Jonathan Donner
    Senior Director, Research
  • Tim Hayward
    Tim Hayward
    Senior Director
  • Bryan Pon
    Bryan Pon
    Research Director
  • Savita Bailur
    Savita Bailur
    Research Director
  • Emrys Schoemaker
    Emrys Schoemaker
    Researcher and Strategist
  • Jo Tofts
    Jo Tofts
    Finance Manager
  • David Taverner
    David Taverner
    Senior Director
  • Stephen Deng
    Stephen Deng
    DFS Innovation Lab
  • Ben Lyon
    Ben Lyon
    DFS Innovation Lab
Maha Khan
Research & Knowledge Management Lead

Maha is the Research and Knowledgement Management Lead at Caribou Digital, working with the Mastercard Foundation Partnership for Finance in a Digital Africa.

For over ten years, Maha has worked as a research and programme manager in the field of peacebuilding, behavioral change and financial inclusion. Her work experience spans across South and East Asia; East, West and Southern Africa; as well as the United States and the United Kingdom. Most recently she designed a digital cash-transfer fresh food voucher programme for the United Nations World Food Programme (WFP) Ethiopia Country Office. Prior to that, Maha lead the Business Analytics Domain at The Helix Institute of Digital Finance (MicroSave Africa) for two years. There she managed the Agent Network Accelerator (ANA) programme, designed to help leading digital finance providers across Asia and Africa to determine what drives their success and scale. Maha has authored numerous blogs and publications in this field.

Maha holds a MA in Conflict Management from Johns Hopkins School of Advanced International Studies (SAIS, 2008) and is based in Nairobi, Kenya.

Victoria Clause
Research and Monitoring & Evaluation Manager

Victoria is a Research and Monitoring & Evaluation Manager at Caribou Digital, supporting the UK Space Agency International Partnership Program (IPP), a £150 million fund to partner space expertise to deliver economic, social & environmental benefit.

Victoria has over 7 years of experience working with private and public sector organisations on mobile and digital solutions to tackle problems in emerging markets. Prior to joining Caribou Digital, Victoria worked with M-Kopa in Kenya where she designed and tested agriculture products to expand M-Kopa’s portfolio of pay-as-you-go offerings for the East African market. Victoria was with the GSMA’s Mobile Agriculture programme for 5 years where she provided consulting support to mobile network operators and their partners in Africa and Asia on the design and commercialisation of agriculture solutions using mobile technology.

Annabel Schiff
Senior Manager, Market Intelligence
Annabel is Senior Manager, Market Intelligence at Caribou Digital.
Previously Annabel worked as a Senior Manager in the Digital Financial Services Department at MicroSave, based in Nairobi, Kenya. At MicroSave, Annabel’s work revolved around The Helix Institute of Digital Finance, which provides world-class, operational level training and cutting-edge research for digital finance (bank and mobile money) providers.  During her time at MicroSave Annabel worked across Africa and Asia advising, training, and consulting various digital finance operations.  Annabel has published a number of blogs, research reports and papers on digital finance in developing markets, that can be found on her LinkedIn page here. Previous to MicroSave Annabel’s background was in Marketing and Branding,
Annabel has a Masters Degree in Development Studies at SOAS. She is currently based in London.
Niamh Barry
Senior Manager, MEL

Niamh is a Senior Manager for Monitoring, Evaluation and Learning (MEL) at Caribou Digital

She has over eight years’ of experience in the sector, working on public and private sector projects in international development.  Niamh has spent these last eight years living in Thailand, Zambia, Sierra Leone and Uganda whilst her work has covered counties in Africa, Asia and South America. She has established M&E systems and departments at a country and organisation level, worked on dozens of evaluations for numerous solution areas utilising experimental and non-experimental designs. In the last five years she has become focused on MEL for Digital Financial services and mAgriculture designing monitoring systems for private sector partners (Banks, MFIs and AgriBusiness) to measure new product or channel uptake, efficiency and profitability.

Prior to joining Caribou Digital, Niamh worked as the Global Director for M&E at Grameen Foundation.

Jessica Osborn
Senior Manger, Partners

Jessica is a Senior Manager at Caribou Digital.

Jessica has worked in mobile technology and digital financial inclusion in Africa for 10 years. She has worked as Commercial and Business Operations Manager for Digital Financial Services at Google in Nairobi, Commercial Manager for Mobile Financial Services at Millicom Ghana, and Program Director for Grameen Foundation in Ghana and Uganda. Jessica has consulted for private and development sector clients across the continent and has professional experience in Ghana, Uganda, Mali, Nigeria, Mozambique, Kenya, Rwanda, Tanzania, UAE and UK. She joins Caribou Digital from Nest in London where she was Product Manager for the company’s new IOT products. Jessica holds a First Class Honors degree in Politics & Economics from the University of Durham, UK. She is based in Maputo.

Jake Kendall
Director of DFS Lab

Jake is the Director of the Digital Financial Services Innovation Lab (DFS Lab) housed at Caribou Digital. The DFSLab engages in seed stage investing and rapid prototyping of internally-generated ideas to create the breakthrough fintech innovations that will profitably bring households in developing countries from the cash economy into the digital financial realm.

Formerly Jake was Deputy Director of Research and Emerging Technologies within the Financial Services for the Poor Team at the Gates Foundation where his team helped create the global data architecture for tracking financial inclusion, fund the critical research to inform the field, and create high potential emerging technologies to power new financial inclusion models.  Prior to joining the foundation, he spent time as an Economist with the Consultative Group to Assist the Poor (CGAP) within the World Bank and in two start-ups in the field of cryptography.

Jake is a published researcher and author and holds a PhD in Economics from UC Santa Cruz and a BS in Physics from MIT. After MIT, he spent two years in Zambia as a fisheries extension agent with the US Peace Corps. Jake has also worked as a brand analyst for a major advertising firm and, throughout his youth, a salmon fisherman in Alaska.

You can see some of his research on his SSRN Author page.

Will Croft
Director of Data Analysis

Will Croft is Director of Data Analysis at Caribou Digital.

Will is currently building a platform that aims to solve the problem of access to reliable and consistent behavioural data across consumers’ digital lives.

Previously, Will was a Senior Director at GSMA, where he established the GSMA Intelligence initative and subsequently led its data and product strategy for ten years. Prior to GSMA, Will worked for Ovum, covering the mobile sector.

Will holds a BSc (Hons) in Physics from the University of Bath and is currently based in London.

David Edelstein
Senior Director

David is a Senior Director at Caribou Digital.

David has been an entrepreneurial leader and innovator throughout his career. His consistent focus on how technology can be harnessed to power creative business models has earned him and his teams patents and prestigious awards, including Best Use of Mobile for Social and Economic Development at the Mobile World Congress. He is passionate about bringing products and services to hard to reach populations, generating social and economic impact.

Over the course of the past year, David led Grameen Foundation as the Interim CEO and Deputy CEO. He previously served as executive vice president for global programs, where he led a team developing innovative solutions in financial services, agriculture and health to address some of the most persistent problems facing underserved people. These solutions, enabled by digital technologies, have proven that market inefficiencies and failures can be overcome by working directly with customers to develop impactful and sustainable business models.

Previously, at Microsoft, David designed pioneering, technology-enabled business models to deliver affordable products to people in emerging markets. At McKinsey & Company, he worked extensively in the telecommunications and consumer goods sectors, with a focus on creating business strategies tailored to the needs of consumers and businesses in developing countries. He also worked with the McKinsey Global Institute, leading research to understand drivers of business productivity and competitiveness in Brazil. Earlier in his career, he conducted economic analyses and evaluated public policy with the White House Council of Economic Advisers and Resources for the Future.

Chris Locke
Founder

Chris Locke is the Founder of Caribou Digital.

Previously, Chris was the Managing Director of GSMA Mobile for Development. GSMA Mobile for Development works with the mobile industry globally to build services that have a development impact for the poorest people in the world.  He developed the department from a small team of 12 people to 75 people, 8 projects, $70m in funding and one of the world-leading ICT4D teams.

Before that, Chris spent 15 years working in senior roles within the mobile and internet industries, for companies such as the Virgin Group, Three, AOL and T-Mobile.

Previous to his industry career he was the Xerox Lecturer in Electronic Communication and Publishing at University College London, and has maintained strong links to the research community, including being the editor of “Thumbculture: The Meaning of Mobile Phones in Society”, an anthology of research considering the global social effect of mobile technology.

Chris is a Visiting Fellow at the University of California, San Diego and the Digital World Research Centre at the University of Surrey. Chris is based in Farnham, Surrey in England.

Marissa Drouillard
Senior Director

Marissa Drouillard is Senior Director, Investment Advisory at Caribou Digital.

Marissa is currently developing a platform to channel funding and support to catalyse the growth of inclusive digital businesses and the next generation of technology leaders in Africa, in partnership with Goodwell Investments.

She regularly advises mobile industry and international development organizations on digital entrepreneurship topics, particularly entrepreneurship ecosystem development in emerging markets and recently developed a methodology for country-level ecosystem diagnostics for the World Bank.

Previous to working in international development, Marissa worked for 11 years as a business and technology consultant with Accenture, specializing in predictive analytics (forecasting, planning, and replenishment modelling) within the Retail and Consumer Goods industries.

Marissa has an MBA and a Certificate in Global Business from the Haas School of Business and a BSc from the College of Chemistry, all from the University of California at Berkeley, and an MSc in Public Policy with merit from the University of London, SOAS. She currently splits time between Cape Town, South Africa and Lake Tahoe, California.

Kishor Nagula
Director

Kishor Nagula joins Caribou Digital with over 10 years of professional experience advising private, NGO’s and government clients in the financial and telecom sectors. He started his career as a management consultant at Booz Allen Hamilton while working on large scale transformations for multinational corporations and delivering cost cutting strategies for domestic and international clients. He then transitioned to working at Dalberg Global Development advisors where he worked on a variety of international projects and advised NGO’s, multilateral organizations and start-ups with their technology strategy in emerging markets.

Most recently, Kishor worked at the United States Agency for International Development (USAID) and joined the Digital Development team, where he supported the team’s work in expanding digital access across the Agency’s target countries.

Kishor earned his B.A in Economics at the College of William and Mary, his M.A in International Economics/International Relations at the Johns Hopkins School of Advanced International Studies (SAIS) and his M.B.A from the Fuqua School of Business at Duke University.

Jonathan Donner
Senior Director, Research

Jonathan Donner is Senior Director, Research at Caribou Digital.

For over a decade, Jonathan has critically examined mobile telephony in the developing world, focusing on its implications for socio-economic development and inclusion in the information society. His latest book, After Access: Inclusion, Development, and a More Mobile Internet was published by the MIT Press in November 2015. Spanning over three dozen scholarly articles, his projects have included Microenterprise Development, Digital Financial Services, Citizen Journalism, Mobile Health, and Youth & New Media.

He is affiliate at the Berkman Klein Center for Internet & Society at Harvard University. Prior to joining Caribou Digital, Jonathan was a Researcher in the Technology for Emerging Markets Group at Microsoft Research, a Post-Doctoral Research Fellow at the Earth Institute at Columbia University, and a consultant with the Monitor Group in Boston, MA.. Jonathan’s Ph.D. is from Stanford University in Communication Research. Further details on his research can be found at jonathandonner.com

Tim Hayward
Senior Director

Tim is a Senior Director at Caribou Digital with a focus on our delivery and evaluation work in building emerging market digital economies. Tim is currently leading a major piece of work with the UK Space Agency providing ODA, M&E, fund management and implementation expertise across their IPP programme, which is improving the lives of people in developing countries by the use of space technology. Prior to this work he was leading a major grant programme delivering impact via satellite connectivity in Kenya and Nigeria, including a major research component across other emerging countries.

Before Caribou, Tim was in GSMA’s Mobile for Development area as Operations Director, and as interim Managing Director, working with global donor organisations to build mobile services to improve access and content to help improve the lives of the poorest people in the world. This covered the full range of development programme implementation from bids, to grant award and management, to implementation, monitoring, evaluation, knowledge sharing and sustainability building.

In previous roles, Tim was a Director in the UK Government’s Home Office and worked for a major mobile operator, for one of the top 5 consulting firms and also for a global IT company delivering programmes across developing ex-USSR countries. Tim started his career as a Weapons Engineer Office in nuclear submarines in the Royal Navy. He has over 25 years’ experience in managing and evaluating complex programmes across the Development, Telecoms, Government, Finance and Defence sectors, including many years of international experience. Tim is based in the UK.

Bryan Pon
Research Director

Bryan Pon joins Caribou with a background in both research and business. He recently finished his Ph.D. in geography at University of California, Davis, with a research focus on the mobile industry. His publications focus on mobile platforms, firm strategy, and the app economy, exploring how the combination of technological and socioeconomic structures shape value creation and value capture. Bryan has a long-running collaboration in this research with ETLA, the Finnish Organization for Economic Development, and BRIE, the Berkeley Roundtable on the International Economy.

Prior to Caribou, Bryan spent 12 years working as an independent consultant, primarily in the energy sector, and was most recently an Emerging Venture Analyst for the UC Davis Program for International Energy Technologies. Bryan earned a Master’s of Science in Community Development, also at UC Davis, with research on affordable solar lighting in emerging markets.

Bryan has a background in both digital and physical product design, and has taught user-centered design workshops to a wide range of audiences. His experience includes UI/UX for online applications as well as hardware design of small-scale solar technology products. He has co-founded several start-ups around energy and education, and lives in San Jose, California.

Savita Bailur
Research Director

Savita Bailur is a researcher with around fifteen years of experience in ICTs and development. Her expertise is qualitative research (interviews, focus groups and analysing these through story-telling and narrative analysis) on ICTs and governance issues – whether through big and open data, or community radio, mobile internet and telecentres – and what that means for “ordinary citizens” – us. She has worked with organisations including the World Wide Web Foundation, Aptivate, mySociety, the World Bank (Global Governance Practice in DC), Microsoft Research (India), Commonwealth Secretariat, USAID (Honduras) and Panos. She speaks fluent Hindi and Spanish and conversational French, has lived in India and Honduras and worked with countries across Asia, Africa and Latin America.

Savita is an External Lecturer in the Media and Communications Department at LSE, co-convening and teaching the MSc course on ICT policies for Society and Development. She has been teaching at LSE and been Assistant Examiner for the University of London International Programme for the past ten years.  She was previously co-Programme Director for the MSc Management in Information Systems: Development and Change at the University of Manchester and Assistant Professor in ICTs and development at the University of Manchester. She holds a PhD and MSc in Information Systems from London School of Economics as well as degrees from the University of London and University of Cambridge.  She was co-author and editor on two World Bank publications: Evaluating Digital Citizen Engagement: A Practical Guide (2016) and Closing the Feedback Loop: Can Technology Bridge the Accountability Gap (2014), and has several other publications, including in Government Information Quarterly, Information Technology and International Development, Gender, Technology and Development and multiple conferences.

Emrys Schoemaker
Researcher and Strategist

Emrys Schoemaker is a researcher and strategist with a background in international development programming. Emrys’ research interests are on the use of social media in resource constrained environments, and the social implications of their use. Emrys is currently writing up a PhD thesis at the London School of Economics in International Development that looks at the relationship between mobile social media use and identity, specifically religious and gender identity in Pakistan. He is particularly interested in how technology design and affordances interact with cultural norms and values to generate new social practices.

Emrys has over a decade of experience in communications for international development programming as the Director for Innovation and Technology at iMedia Associates, a development communications consultancy, and as a consultant to institutions including the British Government’s Department for International Development, United Nations and World Bank.

Emrys’ work has focused on the use of communications, particularly new technologies, in social change processes that include peacebuilding, governance, education and health. Emrys has a Masters in Conflict Management from the Department of Peace Studies, Bradford University.

Emrys has been involved in community development initiatives, co-founded startups that provide software solutions to development organisations and lives in London, United Kingdom. He rides a Brompton and can be found on Twitter and Linkedin.

Jo Tofts
Finance Manager

Jo Tofts is based in Farnham, Surrey, in the UK, and looks after all the company’s invoicing, banking, budgeting and general accounting needs.

In previous roles, Jo was Financial Controller for The Book People Ltd – an online, mail order and field based independent bookseller, and prior to that was Group Management Accountant for Thorn Ltd, based in their HQ reporting to private equity fund owners. Even further back Jo was an auditor and became a Chartered Certified Accountant in a small accountancy practice giving her a large variety of hands on experience.

Jo has a BA in Human Geography from the University of Newcastle Upon Tyne which feeds her interest in all things Caribou Digital, and used to teach English to small children and businessmen and women in Thailand. In her free time Jo likes to sew, loves dance fitness classes and wittertainment, and spends as much time as possible with her husband, daughter and two cats.

David Taverner
Senior Director
David Taverner is a Senior Director at Caribou Digital. He has focused his career on using technology to address social, economic and environmental challenges in developing countries, in the renewable energy, mobile, internet and space industries.
David is currently supporting the UK Space Agency International Partnership Program (IPP), a £150 million fund to partner space expertise to deliver economic, social & environmental benefit. David previously founded the Digital Financial Services Innovation Lab (DFS Lab), an early-stage incubator that supports high potential entrepreneurs launch fintech businesses in developing countries, funded by Bill and Melinda Gates Foundation.
David also led research for USAID and Digital Impact Alliance: “Closing the Access Gap: Innovation to Accelerate Universal Internet Adoption”, and managed Satellite Applications Catapult’s STARHub, an online community to build links between the space industry and developing countries.
David was previously a Senior Director at GSMA where he founded and led the following global initiatives: Connected Society, GSMA Intelligence, Mobile for Development Intelligence, Mobile for Development Utilities & Green Power for Mobile.
David started his career as a management consultant at Accenture focused on the developing world renewable energy industry for global oil companies and private equity firms.
David has a 1st class BSc in Science and Management from Leeds University.
Stephen Deng
DFS Innovation Lab

Stephen is the Strategy and Innovation Manager for our Digital Financial Services Lab.

Stephen joins Caribou Digital with experience in advising private, NGO, and non-profit clients with their technology strategies. Stephen is currently helping to develop a Digital Financial Services Innovation Lab that aims to support breakthrough innovations that profitably address pain points for Digital Financial Services delivery to low-income consumers.

Previously, Stephen worked with the Financial Services for the Poor team at the Bill & Melinda Gates Foundation providing research and grant making strategy for the team’s technology innovation portfolio. More recently, Stephen was a consultant to UNICEF’s Innovation Unit where he analyzed opportunities and potential partnerships around satellite technologies in multiple countries. Stephen started his career with LitiNomics, an economic consulting firm in Silicon Valley supporting the intellectual property strategies of clients in the technology, telecommunications, and healthcare sectors.

Stephen earned his MBA from the Haas School of Business and his BA in Economics and International Political Economy, both from the University of California at Berkeley.

Ben Lyon
DFS Innovation Lab

Ben Lyon is the Entrepreneur in Residence for Caribou Digital’s Digital Financial Services (DFS) Innovation Lab. He is responsible for sourcing and supporting innovative financial technology startups throughout South Asia and Sub-Saharan Africa, and in some cases building them from scratch.

Prior to joining Caribou Digital, Ben co-founded Kopo Kopo, the first merchant aggregator and merchant cash advance provider in the mobile money industry, which now serves thousands of merchants throughout East Africa. Ben has international experience in over 30 countries and has a passion for payments and financial services.