Ralph De Haas, a Dutch national, is the Director of Research at the European Bank for Reconstruction and Development (EBRD) in London. Previously he worked as a Senior Economist in various departments of De Nederlandsche Bank, the Dutch central bank. Ralph is also a part-time Associate Professor of Finance at Tilburg University, a CEPR Research Fellow, a Fellow at the European Banking Center, and a Visiting Senior Fellow at the Institute of Global Affairs at the London School of Economics and Political Science. Ralph earned a PhD in economics from Utrecht University and is the recipient of the 2014 Willem F. Duisenberg Fellowship Prize. He has published in the Journal of Financial Economics; Review of Financial Studies; Review of Finance; Journal of International Economics, American Economic Journal: Applied Economics; the Journal of the European Economic Association, and various other peer-reviewed journals. Ralph’s research interests include global banking, development finance and financial intermediation more broadly. He is currently working on randomized controlled trials related to financial inclusion in Morocco and Turkey.