Nicola is an associate at the DIW Berlin and a senior policy consultant. Her main interests include industrial organization of markets for personal information. She has published a book on financial privacy (Financial Privacy - An International Comparison of Credit Reporting Systems; Springer-Verlag), which has been translated into Chinese (China Financial Publishing House). Prior to the TU Berlin, she taught at the Department of Economics of the Freie Universität Berlin and has been a research fellow at the Yale University. Nicola has served as an advisor for the European Commission, World Bank, CGAP, GTZ and Alliance for Financial Inclusion and the Central Banks of several African and Asian countries.