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Chernay Johnson is a senior research associate at insight2impact, a global resource centre established by the Centre for Financial Regulation and Inclusion (Cenfri) and FinMark Trust, to improve financial inclusion through the smarter use of data, technology and behavioural interventions. Prior to joining Cenfri, Chernay worked as a professional economist at the South African Reserve Bank, Credit Suisse Securities, and spent time consulting as a visiting researcher to the Johannesburg Stock Exchange and Capital Markets Cooperative Research Centre. In recognition of her impactful economic research on sub-Saharan Africa, the Financial Mail ranked her as one of the top three young analysts in South Africa in 2016. Chernay holds a Master of Economic Science from the University of the Witwatersrand, and a Bachelor of Business Science from the University of Cape Town.