Michaella Allen is a research analyst at Cenfri working within the payment and integrity research space. She has been involved in projects relating to the remittances flows and migration in Sub-Saharan Africa (SSA), global innovations in Know-Your-Customer compliance in collaboration with the Alliance for Financial Inclusion (AFI), the expansion of mobile money/banking agent networks in Kenya and exploring the benefits and potential risks of digital fiat currencies (DFC) across the developing world and countries of the Common Monetary Area (South Africa, Lesotho, Namibia and Eswatini). Michaella is also involved in on-going work by the International Telecommunications Union (ITU) Focus Group on Digital Currency including Digital Fiat Currency, and the Regulatory Requirements and Economic Impact working group, in particular, to establish global regulatory and technical guidelines on DFC. This work currently extends to the investigation of DFC uses cases for financial inclusion and anti-money launderings such as mobile money and merchant value chains for example. Michaella holds a Bachelor of Social Sciences in Political Science and Economics (cum laude), a B.Comm Honours in Economics (cum laude), and an M.Comm specializing in Economic Development (cum laude) from the University of Cape Town.