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Dipinder S Randhawa (Ph.D., Syracuse, 1998) is a Research Fellow at the Saw Centre for Financial Studies, NUS Business School, National University of Singapore. His work experience includes stints in the banking sector and with policy-formulation agencies within the government. His research interests are in the areas of finance and development, institutional economics, banking and financial crisis. His latest publications include: Financial Liberalisation, the Origins of Financial Fragility and Financial Crisis: The Indonesian Experience, European Journal of Management and Public Policy (2004), Competition, Liberalization and Efficiency: Evidence from a Two-Stage Banking Model on Banks in Hong Kong and Singapore Managerial Finance (2004), a case study on the Transformation of DBS Bank (2004), and Financial Services for the Poor: Assessing Microfinance Institutions (2004). E-mail: bizdsr@nus.edu.sg