Peter Morgan is Senior Consulting Economist, Co-chair of Research, at the Asia 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. Before that, he served in Tokyo 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 worked as a consultant for Meta Systems Inc in Cambridge, MA, specializing in energy and environmental areas, including energy policy issues in Asian countries, and at International Business Information KK in Tokyo, specializing 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 and financial education.