Krish holds a PhD from Tumkur University in India and has co-authored several industry reports since joining CCAF and Fii. Prior to this, he was a research associate at the Indian Institute of Management (IIM) Bangalore. His main research interests include SME access to digital finance, global fintech developments, open banking and open finance, and fintech regulatory frameworks. In 2018, he was a visiting fellow (Pavate fellow) at Cambridge Judge Business School, University of Cambridge.