Julie Smith, the Senior Principal for Point B’s National Consumer & Retail Practice, brings over 20 years of experience helping organizations understand and meet the needs of evolving consumers. She has successfully helped both startups and fortune 100 consumer companies create engaged and loyal customers through her expertise in strategy, consumer experience and loyalty (both digital and in-store), payments, and ecommerce initiatives. Julie is a national speaker on the evolving consumer and generational differences. Julie holds an MBA from the MIT Sloan School of Management and a BA in Mathematics from the University of Michigan.