Vartika Shukla is a Senior Analyst in MicroSave’s Digital Financial Services – MNO and ANM Domain and has five years’ experience in accessible and rural banking with banks and MFIs in India, Kenya, South Africa, Nepal, Malawi and Laos PDR. Her work focuses on assisting clients to implement digital financial services solutions. This work includes: strategy development, institutional diagnostics, training curriculum design, qualitative market research to understand customers’ needs, product development and process re-engineering. Vartika also delivers workshops and training to support this work.