With strong expertise across the value chain in the payments industry, Grace coleads our payments modernization group. In this capacity, she helps executives keep pace with rapid changes in technology and customer behavior.

Since joining McKinsey in 2007, Grace has focused on helping financial-services and e-commerce companies explore new opportunities and achieve stronger revenue growth and operating efficiencies. Her work includes setting digital payments strategy, improving digital marketing, pursing innovation, and investing in strategic partnerships. In particular, she concentrates on helping companies to get better returns on their digital spending, improving the front-end customer experience and optimizing the back-end payments infrastructure.

Examples of her recent client work include the following:

• developing the business case for real-time payments and associated product innovations for a financial-services provider
• driving a holistic transformation program for a financial-services provider across growth, efficiency, and change management
• advising a consumer e-commerce marketing group on an effort to assemble integrated data sets and build analytical engines for real-time customer targeting and optimization

As technology and other forces affect the payments landscape, Grace keeps the pulse and shares insights through well-researched publications and as a speaker at payments conferences.