Holti Banka is a Senior Financial Sector Specialist with the Payments team in the Finance, Competitiveness & Innovation Global Practice. His work covers different aspects of retail payments including fast payments, government payments, national payment strategies, cost measurement of payment instruments, and payments infrastructure interoperability. Holti has published in several academic journals and is on the Editorial Board of the Journal of Payments Strategy and Systems. He received his PhD in International Development/Economic Policy from the University of Maryland and his BA in Economics and Mathematics from Williams College.