Kalina S. Staykova is an industrial PhD Fellow at Danske Bank and Copenhagen Business School, Denmark. Her research interest focuses on investigating digital payments as multi-sided platforms. Ms. Staykova’s industrial PhD project focuses on designing and evaluating strategies for platform development, platform business models, and platform-based ecosystems. She holds a double elite master's degree in international law, economics, and management from Copenhagen Business School and the University of Copenhagen and also conducts research in the EU legal regime for digital payments. She can be reached at kss.itm@cbs.dk.