Robert Cull is a lead economist in the Finance and Private Sector Development Team of the Development Research Group of the World Bank. His most recent research is on the performance of microfinance institutions and the design and use of household surveys to measure access to financial services. Robert has published over twenty articles in peer-reviewed academic journals including the Economic Journal, Journal of Development Economics, Journal of Financial Economics, Journal of Law and Economics, Journal of Money, Credit, and Banking, and World Development. He is also co-editor of the Interest Bearing Notes, a bi-monthly newsletter reporting on financial and private sector research. Robert has a B.A. in applied mathematics and political science from Northwestern University and holds a Ph.D. and M.S. in social science from the California Institute of Technology.