A financial services industry thought leader and payments expert with over 35-years’ experience with banking products and services in the US and abroad.  Experiences include product management at JP Morgan Chase, Innovation at Mastercard, strategy consulting, and industry analyst role at Mercator Advisory Group. Projects comprise innovation/new product development, strategy, marketing, sales, market research, industry research, fintech evaluations, AI/ML adoption.  Most recently, experience running industry research function at Jack Henry & Associates.  This role also included evaluating fintechs for potential partnerships and establishing a standardized rating and ranking methodology applied to hundreds of fintechs. Frequent speaker at industry and company conferences, guest author, and founder/board member/officer of NYPAY.