Daryl Collins is co-author of Portfolios of the Poor and 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 BFA, building on an expertise in the demand-side dynamics of development finance. She is currently overseeing Financial Diaries studies in Kenya, India, Mexico, South Africa and advising the U.S. Financial Diaries. 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 a B.Sc. and an M.Sc. in economics from the London School of Economics and a Ph.D. from New York University.