Ralph De Haas, a Dutch national, is the Director of Research at the European Bank for Reconstruction and Development. He is also a part-time Associate Professor of Finance at Tilburg University, a Fellow at the European Banking Center and a Visiting Senior Researcher at Lancaster University. Ralph earned a PhD in economics from Utrecht University in 2006 and is the recipient of the 2014 Willem F. Duisenberg Fellowship Prize. He has published work in the Journal of Financial Economics, Review of Financial Studies; American Economic Journal: Applied Economics; American Economic Review Papers and Proceedings; Journal of Money, Credit, and Banking; and the Journal of Financial Intermediation, among others. His main research interests include international banking and financial integration, development economics and small-business finance. He is currently working on randomised controlled trials related to financial inclusion in Turkey and Morocco. Ralph lives in London, United Kingdom.