David Ferrand is the former Director of Financial Sector Deepening (FSD) Kenya, a multi-donor programme established to support the development of inclusive financial markets in Kenya. He has been engaged in work on financial inclusion and small and medium enterprise (SME) development for over twenty years. Prior to his current role he was financial sector specialist for DFID in the Eastern Africa region. In his earlier career he trained and worked as a banker in the UK and Kenya. He now works as an independent consultant.