Kush Khandelwal is a seasoned management consultant, online commerce, and digital payments expert with over 15 years of experience in various startup and large corporations such as PayPal, Earn.org, Insikt, and Trustly Inc. He is an alumni of the University of Florida with a Master of Science Degree and Delhi University with a Bachelor's Degree in Commerce. At Earn.org, the leading non-profit fintech, Kush held the position of Head of Product and played a strategic role in the development of long-term savings habits in low and moderate-income Americans. At Insikt, he built and managed the online lending portfolio of products, providing fair, affordable loans, and improving underbanked Americans' credit ratings. Kush previously provided product consulting services to several startups such as Sparrow Mobile, ShoppinPal, and Content Analytics, where he worked on bridging the mobile and technology divide for underserved and homeless Americans or helped small and medium-sized retailers compete with online shopping, among others. Kush co-founded ShoppinPal, powered omnichannel solutions for small and medium-sized retailers, signed partnerships with major players in payments and shopping apps, grew the company from 3 to 9 employees, and raised funds towards a series A. Kush's management skills are honed through his design of PayPal's Help Center, which led to millions of dollars in savings and an increase in customer satisfaction. He was also instrumental in pioneering PayPal's entry into brick and mortar retail by evangelizing PayPal's offering to some of the largest retailers in the country.