Bhagwan Chowdhry is a Professor of Finance at UCLA Anderson School. He is also the Faculty Director for Impact@Anderson. He received his Ph.D. in 1989 from the University of Chicago Booth School. He also has an M.B.A. in Finance from the University of Iowa and a B.Tech. in Mechanical Engineering from Indian Institute of Technology. Professor Chowdhry has proposed a Financial Access at Birth (FAB) initiative in which every child born in the world is given an initial deposit of $100 in an online bank account to guarantee that everyone in the world will have access to financial services in a few decades. You can read about the initiative at FinancialAccessatBirth.org.