Kshitiz Kumar Gupta is an Associate in Digital Financial Services domain of MSC India, focused in Payments and Distribution. He has worked on projects with multi-lateral development organisations, government and quasi-government institutions, payment system providers, microfinance institutions (MFIs), and skill development institutions in India. His areas of expertise include: market strategy and product development; policy assessment; qualitative and quantitative market research to understand customers’ needs; behavioural research and process re-engineering.