This is a profile image of Grace Klopcic

Grace Klopcic


Grace Klopcic


Advises financial-services companies looking to optimize their digital and analytics capabilities, and put in place innovative digital payment strategies to drive growth

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.

Published Work

The chessboard rearranged: Rethinking the next moves in global payments,” McKinsey & Company, October 2022

How the payments industry is being disrupted,” McKinsey & Company, November 2015

Global Payments 2015: A Healthy Industry Confronts Disruption, McKinsey & Company, October 2015

Faster payments: Building a business, not just an infrastructure,” McKinsey On Payments, McKinsey & Company, May 2015

Past experience

Product manager

J.P. Morgan
Investment banking


Harvard Business School

University of Oxford
MS, policy

Harvard University
AB, economics