Peter J. Morgan is Senior Consulting Economist and Vice Chair of Research at the Asian Development Bank Institute (ADBI), and has been with ADBI since 2008. He has 23 years experience in the financial sector in Asia, most recently serving in Hong Kong as Chief Asia Economist for HSBC, responsible for macroeconomic analysis and forecasting for Asia. Previously, he served as Chief Japan Economist for HSBC, and earlier held similar positions at Merrill Lynch, Barclays de Zoete Wedd and Jardine Fleming. Prior to entering the financial industry, he was a consultant for Meta Systems Inc in Cambridge, MA, in energy and environmental analysis, and at International Business Information KK in Tokyo, in financial sector consulting. He earned his MA and PhD degrees in economics from Yale University. His research interests are in macroeconomic policy and financial sector regulation, reform, financial development, financial inclusion, fintech, financial literacy and financial education.