Jyoti Kumari received her Master’s degree from the National Institute of Technology, Allahabad (India) in 2014. She has worked as a senior software engineer in various IT companies for the last seven years. Her interests include building web applications on front-end technology and back-end services. She likes implementing ideas through software and bringing it to the people. Jyoti joined the Digital Financial Services and Cross-Organizational Digital Transformations research group, FINATRAX, headed by Prof. Gilbert Fridgen.