Richard Chamboko is a Results Measurement Specialist at IFC. He is also a Senior Associate at the Institute for Intelligent Systems at the University of Johannesburg, South Africa. Richard holds a PhD in Econometrics from NOVA IMS Information Management School, New University of Lisbon. He applies econometrics and machine learning tools to analyze various socio-economic and business challenges. His research domains include access to finance, digital financial services, digital credit, SME finance, credit risk and recovery modelling. He has published in peer reviewed journals including Risk Management, Risks, International Journal of Financial Studies, African Review of Economics and Finance, International Journal of Social Economics and International Journal of Applied Decision Sciences.