Kristina is a market strategist and change agent focused on the cloud-enabled business and financial services technology. Her interest is in all aspects of cloud-delivered software technology, e-security and mobile commerce within consumer, enterprise and B2B2C companies across industries. Kristina has worked closely with successfully acquired start-ups, mid-size companies looking to “cross the chasm” as well as Fortune 1000 companies in the midst of reinventing themselves. Her research reports and articles have appeared in such publications as Mortgage Banking and New York Finance, and she has been quoted by business publications such as Inc., The Wall Street Journal, The Economist, The Financial Times and American Banker. Kristina also speaks at tech conferences such as Gigaom Structure and The Money Event at Super Mobility Week. Kristina holds a B.A. in English and Film from Yale and earned her M.B.A. in Marketing and Management of Organizations from Columbia Business School.