Krisia Cruz

With 13 years of experience in tech, fintech, and banking, Krisia Cruz currently leads Tonik Digital Bank’s Products team as its Head of Product. Having worked at Samsung, Google, GCash, and EastWest Bank, Krisia’s experience in software development, payments, transfers, savings and lending help support the growth and operations of Tonik. Firm believer of financial inclusion and using technology to make the lives of Filipinos better and more financially stable, she has dedicated her career in enabling the mass market while growing the business in the process. She believes embedded technology, connectivity, and the culture of malasakit is the future of finance.