Vartika Shukla is a Manager in MicroSave’s MNO and ANM Practice Group in Digital Financial Services domain and has more than six years’ experience in accessible and rural banking with banks, MNOs, ANMs and MFIs in India, Kenya, South Africa, Nepal, Uganda, Malawi and Lao PDR. Her work focuses on assisting clients to implement digital financial services solutions. This work includes: strategy development, agent network development, institutional diagnostics, training curriculum design and qualitative market research to understand customers’ needs, product development and process re-engineering. Vartika also delivers workshops and training to support this work.