Tomoko Harigaya is a PhD candidate in Public Policy at Harvard University. Her research fields include development economics and household finance. In her current work, she examines how access to digital financial services affects decision-making of the poor. She is interested in applying insights from economics to test policy and program designs that could improve their financial capabilities. Prior to graduate school, Tomoko served as a Country Director for the Philippines at Innovations for Poverty Action. She holds a B.A. in economics from Williams College and M.S. in global health and population from Harvard School of Public Health.