Banco Popular de Puerto Rico

With 22 years of experience in the payment services industry, Michael is an inspirational and strategic-minded leader who has played a key role in the growth and development of successful teams and companies.In 2014, Michael started Fit Pay, a platform to enable an entirely new way for securely transacting consumer sales via wearable devices. It frees consumers from having to carry cash, credit cards or even their smartphone to make payments at millions of retail locations.Prior to founding Fit Pay, Michael served as Chief Sales & Revenue Office at Jumio; a next-generation payments and ID software-as-a-service company that utilizes proprietary computer vision technology to reduce mobile payment friction and ID fraud.As Senior Vice President, Global Sales and Services at CyberSource, Michael oversaw all enterprise sales and professional services functions worldwide. During his tenure, Michael was responsible for driving revenue growth from $35M to $340M and establishing new international offices in Singapore, China, Brazil, Australia, and Dubai. In 2010, he served in a primary role in the acquisition of CyberSource by Visa Inc., guiding the business strategy, establishing the synergy rationale of the acquisition, and assisting with the negotiation and execution of the transaction, which resulted in a $2B purchase price – a 42% market premium.

Chris Sweetland is Google's Head of Network and Financial Institution partnerships at Google, Inc. and spearheading Google's Android Pay market expansion across North America and Asia Pacific. Chris was formerly Vice President of Corporate Initiatives at Visa Inc. until 2014 where he was dedicated to contactless and mobile payment initiatives over a nine year tenure that included roles in San Francisco as well as Singapore.� He assisted in the development of the industry standard for EMV tokenization and has led platform development initiatives to bring consumer payment products to market with major North American and Asia Pacific financial institutions�Prior to Chris' career with Google and before joining Visa inc., Chris led payment initiatives as a consultant with Accenture.� He partnered with payment networks and card issuing clients across the prepaid, healthcare, and the mobile carrier and OEM segments to help bring innovative consumer and B2B payment solutions to market.� Chris attended Colgate University where he received his B.A. in Economics.� Chris now resides in Redwood City, California with his family.

Kenneth started Credit Karma in 2007 to offer free credit scores and bring transparency and simplicity to the credit industry – an industry that was built around and has long prioritized banks and not consumers. Kenneth has guided the company from a small team of three to several hundred employees who are disrupting consumer finance, serving over 50 million people.Kenneth spent his early career working with mission-driven businesses like Upromise and Eloan, and he was inspired to build Credit Karma – a platform where consumers can manage their full financial lives with more certainty, supported by a unique business model that creates genuine, organic value by reducing marketing inefficiency for banks and empowering consumers with information. Like LinkedIn has done for professional identity and Facebook for social lives, Kenneth’s vision is that one day Credit Karma can create a simple way for Americans to manage their financial identities.Kenneth also founded Multilytics Marketing in 2006. He has a bachelor’s in mathematics and economics from Boston University.

Mike Massaro is CEO, Flywire. Prior to joining Flywire, he served as Vice President of Corporate Development at Carrier iQ, and held various sales and consulting positions at edocs. Massaro began his career in the technical risk services practice at PricewaterhouseCoopers.

Saifedean Ammous is an assistant professor of economics at the Lebanese American University.

Sacha Polverini is Chairman of the International Telecommunication Union’s (ITU) Focus Group on Digital Financial Services.

Bringing extensive financial services marketing experience, Margot Vaughan is the Global Customized Marketing Group Head for MasterCard Advisors, the professional services arm of MasterCard.�She oversees a team that manages, develops and executes integrated online and offline marketing solutions for North American clients, as well as key global engagements, across the customer lifecycle.As head of Global Customized Marketing, Margot has grown the business from acquisition specific to customer management, directing the development of new solutions across channels. She has worked to enhance MasterCard Advisors’ direct marketing offerings across all channels, including digital, mobile, telemarketing, print, mail and broadcast, for initiatives from branch cross-sell to credit, debit, prepaid to commercial.Margot has demonstrated a winning track record for delivering both client benefits and business success. Shortly after joining MasterCard, she introduced the ‘champion/challenger’ concept in direct mail, then a primary marketing channel for the company. As a result, MasterCard U.S. mail share increased from 20 percent to over 85 percent, significantly contributing to the number of MasterCard cardholders. More importantly, she demonstrated MasterCard’s ability to add value to a client’s business, a key enabler in the creation of MasterCard Advisors.Prior to MasterCard, Margot worked in marketing at the New York Cornell Medical Center, Citi and American Express.Margot holds an MBA and MA from New York University in Marketing and International Finance, respectively. She lives in the New York area and is based in MasterCard’s Purchase, N.Y. headquarters.

Vinodh Ravishankar is a Managing Consultant at Wipro Limited. He is a NACHA Accredited ACH Professional (AAP) with 10 years of consulting experience in cards and payments. Vinodh leads business transformation programs for Wipro’s top banking clients.

Hari Subramanian is a Consulting Partner at Wipro Limited. He has 25 years of experience in financial services and telecom as well as 8 years of management consulting background in payments. Hari focuses on emerging payments and leads Wipro’s initiatives in this space.

Ad van der Poel is senior vice president of financing services for Basware, a provider of cloud-based purchase-to-pay and e-invoicing solutions.