Hitoishi Chakma earned a bachelor of social science with Honors from the University of New South Wales. For his honors research, Hitoishi explored the interrelation between identity construction, development and state making, against the backdrop of the civil conflict that afflicted the borderland regions of the Chittagong Hill Tracts in the 80s and 90s. A recipient of the AusAID Development Scholarship in 2009, he is a native of Bangladesh and belongs to the indigenous Chakma people of the Chittagong Hill Tracts. He has interned with Save the Children Australia, and has also worked as a writer for the Bangladeshi national daily The Daily Star. Since UNSW, Hitoishi has been working at BRAC, focusing on market based approaches to development. At BRAC, Hitoishi has primarily worked on digital financial inclusion, and lead research efforts for the Microfinance Programme and also the Social Innovation Lab. At Yale, Hitoishi plans to explore market based approaches to development especially focusing on how developments in digital financial services can empower the poor.