Nicolai is Chief Operating Officer of NALA, a social impact fin-tech that is providing financial transparency tools and low-cost payment and banking solutions to individuals across the African continent. NALA is driven by the observation that access to existing available financial services are unnecessarily costly, transparency into the impact of using these services is generally opaque, and overall access to financial services remains low. Prior to NALA, Nicolai worked at Morningstar in Europe, the U.S., and India, serving in strategy, operations, and product management roles. Nicolai holds a Bachelor’s degree in Economics from Bard College and in his free time, enjoys running, hiking, reading, and listening to Bongo Flava.