M. S. Sriram is Professor at the Centre for Public Policy, Indian Institute of Management (IIM) Bangalore. In addition, he is currently a Distinguished Fellow of the Institute for Development of Research in Banking Technology set up by the RBI. In the past, he was the ICICI Bank Lalita D Gupte Chair Professor of Microfinance, and Chairperson Finance and Accounting Area at the IIM Ahmedabad; on the faculty of IRMA, and Vice President of Basix. He has also taught at IIM Udaipur, SP Jain Centre for Management in Dubai and Singapore, the Solvay Brussels School of Business and Economics and the Azi...