Robert Cull is research manager in the Finance and Private Sector Development Team of the World Bank’s Development Research Group and the co-director of World Development Report 2021: Data for Better Lives. His most recent research is on the performance of microfinance institutions, African financial development, Chinese financial development and firm performance, and bank regulation and supervision in developing economies. He has published numerous articles in peer-reviewed academic journals including in the Economic Journal, Journal of Development Economics, Journal of Economic Perspectives, Journal of Financial Economics, Review of Finance, Journal of Law and Economics, and the Journal of Money, Credit, and Banking. He also co-edited, “Banking the World: Empirical Foundations of Financial Inclusion” which was published by MIT Press January, 2013. He is also co-editor of the Interest Bearing Notes, a bi-monthly newsletter reporting on financial and private sector research.