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Daryl Collins is co-author of Portfolios of the Poor and Senior Associate at Bankable Frontier Associates, a niche consulting practice in Boston (see www.bankablefrontier.com). She was the principal investigator of the South African Financial Diaries, the results of which can be found on www.financialdiaries.com. She is now leading the research efforts at Bankable Frontiers, building on an expertise in the demand-side dynamics development finance. She has recently completed another Financial Diaries, a pilot study of small businesses, and is currently undergoing a revisit study of the original South African diaries households. Daryl began her career as an emerging market economist at a New York investment bank before moving to South Africa in the late 1990’s. She ultimately joined the finance faculty of the University of Cape Town, where she leveraged a successful career in portfolio management into research on the financial behavior of the poor. She has published extensively on financial market behavior in developing countries. Daryl holds bachelors and masters degrees in economics from the London School of Economics, and she is currently completing doctoral work at New York University. Daryl and her husband, Brian Talbot, recently moved to the Boston area with their daughter, Isabella.