Kritika Nayyar is a specialist at the intersection of AI, retail, and customer strategy, with a strong focus on personalization and building truly customer-first experiences. She brings over five years of experience across consulting and financial services, having worked at KPMG and Business Development Bank of Canada, and holds a Master of Management in Analytics from McGill University. Her work sits at the intersection of data, product, and business, where she bridges technical systems with executive decision-making to drive measurable impact. Her perspective on retail is shaped by shifts in discovery, shrinking attention spans, and the rise of real-time, context-driven personalization. She advocates that AI has moved from a differentiator to a baseline. Today’s true competitive advantage is defined by the ability to curate a frictionless journey - anticipating obstacles and solving for them before the shopper ever feels the friction.