Daniel Kraus
I build financial products inside regulated markets, and I publish the analysis behind them.
Background
I have spent twenty years building products at the point where platforms meet money: location intelligence at Nokia/HERE at global platform scale, a venture-backed company built and exited, digital freight on the Asia–North America lanes, and behavioral banking systems for credit unions and community banks.
In 2022 I founded Kraus Advisors to do that work directly, from market thesis through launched product, for banks, fintechs, and platform businesses across North American and European markets.
My view is that the rails carrying money and goods are being rebuilt at the same time, by tokenized instruments, programmable settlement, and AI-native workflows, and that the firms who win will be run by people who have shipped inside regulated markets rather than commented on them. Kraus Advisors is where I do that work, and where I publish the research that tests it.
Credentials
- 6 US patents granted
- BS, PhysicsFordham University. Concentration in computational physics: modeling and statistical analysis
- MA, PhilosophyFordham University
Works in English, French, and German. Based between the United States and Europe.
Research
Omnichannel effectiveness in U.S. credit unions (Applied Study AS 2026-01, September 2026). Which digital channels convert, and the role of email. Read the summary or download the PDF.
Risk-adjusted pricing in ocean freight, a working paper in progress. See publications.
Short bio
For event programs and introductions. Please use as written.
Daniel Kraus is the founder and principal of Kraus Advisors, a boutique advisory firm for financial technology with offices in the United States and Europe. He founded the firm in 2022 and works with banks, fintechs, and platform businesses on payments, digital assets, trade finance, and applied AI, taking engagements from market thesis through launched product.
Daniel has built location intelligence products at Nokia/HERE at global platform scale, founded and exited a venture-backed company, and led product for a digital freight platform on the Asia–North America trade lanes.
He publishes research under the Kraus Advisors imprint, most recently a study of omnichannel effectiveness in U.S. credit unions, and is completing a working paper on risk-adjusted pricing in ocean freight.
Daniel holds degrees in physics and philosophy from Fordham University. He works in English, French, and German.
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Building in payments, digital assets, or AI for regulated industries? I'm always glad to talk.
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