Dr. Alfred Ouma Shem is the Chief Manager and Head of Research & Strategy Department from April, 2014. He previously was Manager and Head of Financial Access and Inclusion Section of the Financial Inclusion & Stability Division in the Research & Policy Analysis Department of the Central Bank of Kenya (CBK); Policy Analyst at the Kenya Institute for Public Policy Research & Analysis (KIPPRA); Senior Lecturer of Economics at Moi University; a Lecturer of Economics at Egerton University; and a Research Fellow at the Institute for Development Studies of the University of Nairobi.Dr. Shem holds a PhD in Economics from University of Cologne, Germany, Master’s degree in Economics and Bachelor’s degree in Economics & Business Studies from Kenyatta University. He has published widely on issues of financial economics particularly on Financial Inclusion and Microfinance, Monetary Economics, Social Policy, Financial Stability and Pension issues among others. He is a founding member of the Alliance for Financial Inclusion (AFI) Data Inclusion Working Group (FIDWG). Dr. Shem also holds a certificate of proficiency in the German language.