Francis Annan is an Assistant Professor of Economics at UC Berkeley ARE, a Faculty Research Fellow at the NBER, an Affiliated Professor at BREAD, J-PAL, and CEGA, the Scientific Lead and Co-Chair of the Retail Finance Distribution (ReFinD) Research Initiative at ISSER, and a Fellow at the Center for Development Economics and Policy (CDEP) and the Center for Environmental Economics and Policy (CEEP). Prior to UC Berkeley, Francis was an Assistant Professor of Economics, Risk, and Insurance at the J. Mack Robinson College of Business at Georgia State University. His research centers on development economics and microeconomic issues, with a focus on digital financial markets, public distribution programs, insurance, and firms in sub-Saharan Africa, India, and the United States. Francis received his Ph.D. in Sustainable Development (Economics Track) from Columbia University.