Zopa online alternative high street banks

Giles Andrews


With public perception of banks at an all time low, Giles has a revolutionary approach that's fit for the iPod generation. As the CFO of social lending exchange ZOPA, a start-up challenger to the banking industry, Andrews and his colleagues are at the forefront of what they hope will be a "consumer revolution in financial services". Zopa is the online marketplace where people meet to lend and borrow money. Lenders get great returns and borrowers get low-cost loans. And with no bank in the middle, everyone gets better rates and money becomes human again.


Andy Mauro

Nina Solutions Product Management Nuance Communications

In the past he has led teams responsible for building tools, frameworks, and horizontal application components that form the basis of many speech recognition applications. Technology built by Nuance is used in hundreds of deployed, and award-winning, speech applications world-wide. Andy’s particular focus has been in identifying cutting edge research in the areas of natural language, dialog management, and multi-modal, and finding ways to productize these ideas, driving improved user experience and automation. In addition, he works with the services teams to define the product vision and requirements, as well as sales and marketing to drive sales and adoption.


Jeff Stewart

Founder an CEO of Lenddo

Jeff Stewart is a serial entrepreneur, inventor and investor specializing in internet-enabled growth businesses. Jeff is the founder an CEO of Lenddo, the world’s first online community that empowers the emerging class to use their online social connections to build their creditworthiness and access local financial services. Jeff is the Founder of Urgent Group, a venture development firm focusing on building innovative technology-enabled businesses, as well as the founder of Urgent Ventures LLC, which co-invests in angel stage technology start-ups. Jeff also founded Urgent Career, a venture-backed recruitment technology and services firm that seeks to improve how growth companies find, screen and assess sales talent. Prior to Urgent Career, Jeff founded Monitor110, which offered internet-based semantic big-data analysis to institutional investors.

Ben Milne

CEO and Co-Founder of Dwolla

Ben started his first company, Elemental Designs, at the age of 18. Ben began leveraging the internet to drop ship custom made speakers. His adventures lead him all over the world, establishing operations in Southern Asia and California. An original $1,200 investment would turn into a multi-million dollar company by the age of 22. After heavy research in 2008, Ben and partner, Shane Neuerburg, approached a Midwestern bank with an idea to establish a new payment network that would upend the financial services industries. They called it Dwolla. Ben would sell Elemental Designs to focus on the new project. In 2009, the privately funded Dwolla launched in Iowa and California, boasting the nation’s cheapest payment platform of only 25 cents per transaction. In 2010, Dwolla introduced the first technology to empower seamless payments leveraging users’ social networks, officially pioneering social payments. In 2011, Dwolla launched the world’s first geo-location based mobile payments. Ben also has extensive community experience in speaking, mentoring, and leadership programs. http://www.benmilne.com/


Dave Birch

Founding Director of Consult Hyperion

Here he provides specialist consultancy support to clients around the world, including all of the leading payment brands, major telecommunications providers, governments bodies and international organisations including the OECD. Before helping to found Consult Hyperion in 1986, he spent several years working as a consultant in Europe, the Far East and North America. He graduated from the University of Southampton with a B.Sc (Hons.) in Physics. Described by The Telegraph as “one of the world’s leading experts on digital money”, by The Independent as a "grade-A geek", by the Centre for the Study of Financial Innovation as "one of the most user-friendly of the UK's uber-techies" and by Financial World as "mad", Dave is a member of the editorial board of the E-Finance & Payments Law and Policy Journal, a columnist for SPEED and well-known for his blogs on Digital Money and Digital Identity. He has lectured to MBA level on the impact of new information and communications technologies, contributed to publications ranging from the Parliamentary IT Review to Prospect and wrote a Guardian column for many years. He is a media commentator on electronic business issues and has appeared on BBC television and radio, Sky and other channels around the world.


Dan Schatt

Head of financial innovations for PayPal.

In this role, he is responsible for defining and executing on the business and product strategy for PayPal's initiatives with financial and loyalty partners. Prior to PayPal, Schatt was an industry analyst with Celent, and led the company's retail payments practice. Prior to his role as industry analyst, he served as GM of Yodlee's data services group, responsible for integrations with top tier financial institutions. Before Yodlee, Schatt worked as an investment banker for Salomon Smith Barney and held positions in Asia, Europe, and Africa with Citigroup. Schatt has been widely quoted in the media, including The New York Times, The Wall Street Journal, Financial Times, Business Week, and has also written articles for American Banker and Bank Systems & Technology. He has presented at national and international venues, including the United Nations Development Program Roundtable on Remittances, the World Bank / APEC Dialogue on Remittance Systems, NACHA's Annual Payments Conference, BAI's Retail Delivery conference, and The Internet Retailer conference. Schatt received a dual MBA (Finance) and MIA (International Economic Policy) from Columbia University and a BA from the University of California Santa Barbara.


Neff Hudson

USAA’s Assistant Vice President for Emerging Channels.

Neff oversees USAA’s award-winning mobile and tablet channels, and he leads innovation efforts in emerging payments, social commerce, video, and automated intelligence. Hudson has been at USAA for 13 years. He was hired as part of the original eCommerce team and rose through the ranks to become USAA.com’s first channel manager. During his tenure, USAA.com was honored as the top financial services website by Forrester Research. In previous assignments, Hudson founded the Customer Experience Management and Interaction Design practices at USAA. He is a patented inventor and nationally recognized for innovation in financial services. Prior to joining USAA, Hudson worked for 12 years as an executive, editor, and reporter in the journalism industry. He was general manager of militarycity.com, a leading military news portal, and earlier served as Chief Pentagon Correspondent for Army Times Publishing Co. He holds a bachelor's degree from the University of Maryland.


Alex Twigg

Having quickly come through the ranks on the management development programme at the National Westminster Bank, Twigg’s career has been spent building digital banks, starting with the world's first internet only bank Egg, then shaping Citigroup and Fidelity’s digital strategy and now growing UBank. Headhunted by the National Australia Bank from the US based consultancy Keane to launch UBank in 2008, he helped shape NAB’s digital strategy before returning to lead UBank in 2010. Credited as the banker who has taken UBank from start-up to the globally recognised leader in digital banking, Twigg has lead the UBank team to deliver exponential growth and business success whilst developing and piloting the NAB’s new Oracle core banking platform.

In parallel to his banking career, Alex founded and built successful digital consultancy, Twiggtowers Ltd, advising on strategy and technology to blue chip financial services companies in the UK.


Frank Eliason

Senior Vice President of Social Media at Citibank

Frank is also the author of @YourService published by Wiley. Frank became well known in social media for the Customer Service outreach function that his team at Comcast was involved with. This work has been recognized by many news organizations such as ABC News, New York Times, Business Week, among many others. Follow Frank on Twitter at @FrankEliason


Simone McCallum

ASB's social media strategy

Simone leads ASB's social media efforts to focus on growing community, customer engagement and retention, monetisation of social media channels, content creation/curation, social marketing, and taking advantage of new technologies and channels to increase talkability and amplification. ASB is listed on The Financial Brand's Top 35 Banks on Twitter and Facebook, and is NZ's most social bank. The innovative award winning Virtual Branch on Facebook is a secure and confidential webchat application bringing ASB to where the customers and community are.


Ron Shevlin

Senior analyst at Aite Group.

Ron specializes in retail banking issues including sales and marketing technologies, customer and marketing analytics, loyalty management, P2P lending, personal financial management, social computing, online banking, customer experience and consumer behavior. He is a recognized thought leader for his pioneering research on right-channeling consumer interactions, the impact of customer advocacy on future purchase intention, and developing sense-and-respond marketing capabilities to improve sales and marketing efforts. He has been widely quoted in press, in publications such as U.S. Banker and Credit Union Management, and has been a keynote speaker at numerous industry/client events including BAI Retail Delivery, CUES CEO Network, DMA Financial Services, NICSA Technology Forum and Forrester Finance Forum. Mr. Shevlin received an M.B.A. in Finance and Statistics from the University of Texas at Austin, and a B.A. in Economics from SUNY Binghamton. He is also the author of Snarketing 2.0: Marketing In the Age of Social Media, published in October 2011/


Kevin Travis

Partner with Novantas in the New York office, and the head of the Distribution Strategy Practice Area.

Kevin's focus in the last 5 years has been on changing customer attitudes and behaviors related to the buying and selling of financial products and service at banks. Previously, he worked in commercial banking in Europe and Africa. He is available to speak as an expert on evolving customer preferences, distribution, international banking, and broader banking strategies in general. Kevin has been quoted in publications such as American Banker, Credit Union Times, and Tech Journal on topics including online and mobile banking security and proliferation, online personal finance management tools, and internet advertising. He is a frequent public speaker and author, and is the author of multiple articles, white papers, and reports on evolving distribution strategies and banking models.

Jerry Canning

Industry Director, Financial Services for Google.

In this capacity, he works with marketers across banking, lending, insurance, investment/brokerage, credit card and credit report categories. In addition to his experience in financial services, Jerry has also managed Travel, Elections and Local teams while at Google. He joined the company in late 2004 from The Excite Network; prior media experience included three years at Turner Broadcasting, where he developed integrated solutions for key partners for the CNN, TBS and TNT cable networks. Jerry got his start at Foot Locker, where he had a ten-year run managing its sports marketing sponsorships, including partnerships with the NBA, NFL and MLB. Jerry is currently a board member of the New York Advertising Club, where he was recently awarded the 2011 President’s Award. He is also on the board of the NY’s Business Marketing Association. He earned his degree in Communications/Business from Muhlenberg College in Allentown, PA.


David Wolman

Contributing editor at Wired

He has also written for such publications as the New York Times, the Wall Street Journal, Time,Nature, Outside, Newsweek, Discover, Forbes, New Scientist, and Salon. He is a former Fulbright journalism fellow (Japan) and an Oregon Arts Commission fellow (2011), and his work has appeared in the Best American Science Writing series. David is the winner of a 2012 Outstanding Article award from the American Society of Journalists and Authors, and a graduate of Stanford University's journalism program. He lives in Portland, Oregon with his wife and two children. His first book, A Left-Hand Turn Around the World, was published by Da Capo Press (hardcover 2005, paperback 2006). His second book, Righting the Mother Tongue: From Olde English to Email, was published by HarperCollins (hardcover 2008, paperback 2009). His latest book, The End of Money, was published by Da Capo Press in February, 2012.


Marc Hochstein

Executive Editor of American Banker

Marc oversees its blogs, including opinion writing and news-aggregation services. Marc joined American Banker in 1998 as a reporter covering the mortgage beat and has gradually added responsibility over the years. At one time or another he has directed the paper's news coverage of mortgages, cards, consumer finance and community banking. Marc began his career as a reporter covering financial markets for Dow Jones, and he has also worked as a senior editor at GRID, a commercial real estate and architecture magazine.


Debbie Gamble

Principal at Gamble Consulting and co-founder of Sparq Collective

Debbie provides strategic leadership, product visioning and launch expertise for the payment innovation and digital transactions industries. With over 25 years of experience and a dynamic international career launching and marketing successful initiatives for large corporates, mid-stage and start-up companies. Debbie has been involved in early iterations of the digital economy including, mobile commerce, electronic cash, prepaid, EMV, contact and contactless solutions on an international scale. Previous roles include co-founder and SVP Product and Strategy at Dexit Inc. and Head of North America for Mondex International. More recently, Debbie has been engaged in providing thought leadership and consulting services to a number of companies including The Royal Canadian Mint, Visa, Ontario Lottery & Gaming, Interac, Bell and others, providing strategic insights and innovation expertise for emerging payment and digital commerce trends. Debbie is passionate about leveraging technology and bold ideas to improve how society interacts. Debbie is an active Board Member of Jazz 91, sits on the Advisory Board of FINCA International (world leading microfinance nonprofit, focused on providing financial services to the world's lowest-income entrepreneurs), is a volunteer advisor at the MaRS innovation centre in Toronto, is a founding member of Verity Women’s Club in Toronto, is was the founding chair of the ACT Canada Mobile Strategic Leadership Team.


Ryan Caldwell

Money Desktop

From MoneyDesktop’s inception, Ryan has directed the company’s strategic vision and has led its talented team to ever increasing levels of performance for its customers, partners and shareholders. He constantly promotes the mandate of revolutionizing the way people manage and spend their money. While still in college, Ryan founded and developed multiple Internet and tech businesses and drove them to multi-million dollar exits. Additionally, Ryan has spearheaded acquisitions and mergers for several startups he has directed. Ryan has worked for the smallest hot startups and the largest Fortune 100 companies. He has consulted in the US, Singapore and London for some of the world’s leading companies, including market leaders like Visa and Microsoft. He has also received multiple industry accolades, including being named to the Utah Business list of Forty Under 40, the v100 list of Top Venture Entrepreneurs and as one of the Utah Valley BusinessQ’s 10 Coolest Entrepreneurs.,/p>


Bret Skousen

Executive Vice President, Marketing & PR at MoneyDesktop.

Bret's 20+ years of executive leadership at companies like Black & Decker (B&D), and most recently Mountain America Credit Union (MACU), have resulted in a business acumen that is both broad and deep. At MACU, Bret implemented a completely new product development process from which the first product developed under this process resulted in an increase of over 50% profitability per user. At B&D, Bret's sales territories consistently over performed expectations by 15 to 20% and, as a testament to Bret's passion for building high performing executive teams, he was responsible for creating the BBHHI University, where B&D's leadership is trained, groomed and developed.


Shawn Ward

Geezeo- CEO & Co-Founder

Shawn is Geezeo’s CEO and leads the organization's third party partnerships and investor relationships. Along with his co-founder, Pete Glyman, he directs the organization's strategic initiatives. Prior to starting Geezeo, Shawn was General Manager of Gainskeeper, a division of Wolters Kluwer Financial Services Software (WKFS) division. Shawn was also corporate development strategist for WKFS where he evaluated potential acquisition candidates, divestures, and organic product build-outs. After studies at Boston University and Northeastern, Shawn spent more than eight years in various product management and analyst roles at Fidelity Investments. It was then that he realized technology could do so much more to enhance people’s financial well being.

Sankar krishnan, Sunderland

Sankar Krishnan,

Global Client Engagement, Banking & Financial Services Practice

Sankar is responsible for the end-to-end execution of Banking engagements. Prior to joining Sutherland, Sankar was a career banker with Citigroup for over 12 years. At Citi, Sankar held a variety of senior management roles across Corporate Banking, e-consumer, Global Transaction Services (including cash and treasury management), Payments Services, Trade Finance, and Securities & Fund Services. Prior to Citi, Sankar was a Corporate Banker with Standard Chartered bank; where he also had positions in Credit Administration, Financial Planning and Control. Sankar was also a successful leader at the Banking and Advisory Services Group at Price Waterhouse where he executed Credit examinations and Business Processing for Loans for banks. These roles were across multiple Geographies including Toronto, New York, London, Middle East Region, and South Asia and Africa. Sankar is a Chartered Accountant and a frequent contributor to several financial media including BBC & Bloomberg. He has represented his firm at several Banking Conferences across the globe.


Robert Weideman

Robert serves as Executive Vice President and General Manager of Enterprise Division of Imaging Division at Nuance Communications, Inc and served as its Senior Vice President and General Manager. Mr. Weideman served as Chief Marketing Officer and Senior Vice President of Nuance Communications, Inc. (formerly, Scansoft Inc) since August 2002 and served as Vice President, Marketing since November 2001. From February 1999 to November 2001, Mr. Weideman was Vice President of Marketing for Cardiff Software, Inc. From August 1994 to January 1999, Mr. Weideman was Vice President of Marketing for TGS N.V. (TGS Inc., Europe).

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Bjorn Hildahl

Vice President, Product Management, Kony Solutions,

Bjorn brings nearly two decades of experience designing and developing software to his role as vice president of product management for Kony. Through his work building and managing teams to ensure effective creation and delivery of software products, Bjorn has developed specific areas of expertise in financial services industry, including e-commerce, mobile payments, transaction and n-tiered distributedapplications. He has been focused on mobile for the last eight years, with an emphasis on designing and developing software for banking and payment solutions. Prior to joining Kony, Bjorn helped form mFoundry, a provider of mobile financial services. At mFoundry, he served as the director of technology and client services for more than six years, helping to grow the company's relationships with top financial services institutions around the world. Previously, he was a software architect at the Blackstone Technology Group, a position he accepted after serving as the CEO of Ubiquitos Information, a company he co-founded in 1998. Hildahl earned a bachelor's degree in Economics from the University of California, Santa Barbara.


Jon Rosner

Bluebird/AMEX Vice President, Product Development at American Express.

In this role Mr. Rosner is responsible for product and capability development for the US Payment Options business including the creation of Bluebird, a debit and credit alternative in partnership with Walmart. Prior to assuming this position, Mr. Rosner held a variety of roles of increasing responsibility at American Express in marketing, strategy, finance and business development functions in Merchant Services, International Consumer Card and Travelers Cheques. He joined American Express as a campus hire in the Strategic Planning Group. Mr. Rosner earned a BS from Wharton and an MBA from NYU


Alex Sion

President of Movenbank

Alex is responsible for management of Movenbank against its business and product strategy. He is based in New York City and has over 18 years of experience in business, technology and marketing strategy for financial services firms. Prior to Movenbank, Alex led the Financial Services Center of Excellence at SapientNito, one of the leading marketing and technology services agencies in the world. He was responsible for dramatically accelerating the firms growth in retail banking and the retail wealth management sectors and for establishing the firms' sector strategy and point of view in the market. He served as an advisor on digital strategy and disruption for global leaders like HSBC, TD, Citi, Bank of Montreal, Royal Bank of Scotland, and Barclays. Alex is a graduate of Yale University.


Shamir Karkal

Co-Founder & CFO Simple

Shamir is a software engineer turned finance and banking expert. Prior to Simple, Shamir was a consultant with McKinsey & Co. specializing in strategy consulting for financial institutions in Europe, the Middle East, and the US. Prior to McKinsey, Shamir was an software engineer. He has a bachelor’s in computer science, a master’s in information technology, and an MBA from Carnegie Mellon University.


Bruce Cahan

Bruce is researching and designing GoodBank™, a high-transparency, impacts-aware bank built in and for the information age. Cahan is a serial social entrepreneur, an Ashoka fellow, a Stanford University Visiting Scholar at the Department of Civil and Environmental Engineering, and a Stanford CodeX fellow at the Center for Legal Informatics. Beginning in 1991, Cahan pioneered capital investment strategies for governments to create open geospatial data now used in Google Maps and other location-based services.


Ben Rogers

Filene Research Institute

Ben wrestles economic, consumer behavior, management, and policy questions through Filene Research Institute's research pipeline. Sometimes Ben wins. Sometimes the research wins. As the nonprofit's research director, he speaks widely on credit union topics and has authored nearly twenty Filene reports, on topics as divergent as young adult financial behavior, consumer lending, noninterest income, and co-operative management. Ben served previously as director of Filene's CU Tomorrow project. Before coming to the nonprofit, he was a Congressional reporter in Washington, D.C., editor of The CEO Report and chairman of the National Directors’ Convention. Ben has been cited broadly, including in various newspapers, the Wall Street Journal, Credit Union Journal, Credit Union Times, and American Banker. In a prior professional incarnation, he helped publish a startup magazine about fatherhood. Knowing little about fatherhood or magazine publishing, he moved quickly to business journalism. Ben holds a master’s degree in Journalism from Northwestern University and a BA from Brigham Young University. He and his family reside in Madison, Wisconsin.


James Moed

Business designer and leads IDEO London’s work in financial services.

His current focus is helping banks, insurance companies, and others rethink their customers’ relationship to money. His goal is to demonstrate how human-centered design of new offerings, from children’s savings to wealth management, can create value by empowering individuals, families and communities. His clients include: Generali, Bank Audi, TCL, and Camden Libraries. Before joining IDEO, James spent many years developing new business opportunities for media outlets, working with US radio station operators, Japanese comic-book publishers, and MTV Europe, among others. After earning an MBA from INSEAD, he joined Jump Associates, a Silicon Valley design-strategy firm. James also holds a bachelor’s degree in international relations from Brown University. In addition to English, James speaks enough French, Portuguese, Spanish, German Japanese, and Hebrew to get into trouble anywhere in the world. He also loves street food — and believes that suspicious equals delicious. Feel free to test these theories when he visits your office. Follow @jamesmoed on Twitter.


Jim Marous

Industry leading direct marketing strategist and business developer

Jim specializes in creating innovative, multichannel solutions that drive revenue through acquisition, engagement, expanding share of wallet and retention. He has successfully launched new products and services as well as built and reinforced existing products and brands. He believes that any marketing challenge is best met head on with focus, enthusiasm, teamwork and an open mind. As a frequent industry speaker, author and recognized authority on measured media, he works with clients and key marketing executives in trying to use customer and prospect insight to drive bottom line results. His industry experience includes top 20 financial services as well as Fortune 100 retail, hospitality and B2B marketing (in US and Canada). Follow @jimmarous on twitter


Lynn Teo

Lynn is a seasoned experience design industry leader with 15+ years experience spanning web/interactive agencies, research labs, global marketing and advertising firms, startups and educational institutions. Her specialties are web/mobile products, service design, and experience strategy supporting cross-channel ecosysteems. Lynn's overarching mission is to create positive, rewarding and holistic customer experiences. As Head of User Experience and Creative Director in several NYC-based agencies previously, she created blended SoLoMo digital experiences that combine e-commerce, content and social engagement. She is active in the NY startup community offering mentorship in lifestyle products and services, and social/community-based experiences. In her free time, she also mentors young women in design and techology. Lynn is an active public speaker at both large and small events. She holds an MA from Carnegie Mellon University. Follow @Lynn_Teo on twitter


Michael I. Norton

Associate Professor of Business Administration in the Marketing Unit and Marvin Bower Fellow at the Harvard Business School.

Michael holds a B.A. in Psychology and English from Williams College and a Ph.D. in Psychology from Princeton University. Prior to joining HBS, Professor Norton was a Fellow at the MIT Media Lab and MIT’s Sloan School of Management. He is the co-author - with Elizabeth Dunn - of the new book, Happy Money: The Science of Smarter Spending (Simon & Schuster). His work has been published in a number of leading academic journals, including Science, the Journal of Personality and Social Psychology, Psychological Science, and the Journal of Consumer Research, and has been covered in media outlets such as the Economist, the Financial Times, the Wall Street Journal, and the Washington Post. He has appeared on National Public Radio, and written op-eds for the New York Times, Forbes, and the Los Angeles Times. His "The IKEA Effect: When Labor Leads to Love" was featured in Harvard Business Review's Breakthrough Ideas for 2009. In 2010, he won the Theoretical Innovation Prize from the Society of Personality and Social Psychology; in 2011, he won the SAGE Young Scholars Award from the Foundation for Social and Personality Psychology; in 2012, he was selected for Wired Magazine’s Smart List as one of “50 People Who Will Change the World.” At HBS, he teaches a second-year MBA course, The Art of Marketing Science, and in the Program for Leadership Development and Strategic Marketing Management executive programs.


Carrie Birgbauer

M.A. has been an educator for 17 years and is also a certified money coach.

As a former kindergarten master teacher, chief of staff, college tennis player and yoga instructor, she’s one of the most worldly people you’ll ever meet. At the age of 30, Carrie realized she had never balanced a checkbook, stuck to a budget or been able to sustain savings. She thought that financial freedom meant “swiping the card!” So began her quest for a financial education. She read innumerable books, tried Quicken, Mint, traditional financial therapy and even designed her own financial tracking software to no avail. At a friend’s suggestion, Carrie hired a money coach and, finally, found what she had been looking for. For the first time in her life, Carrie had access to essential financial tools, distinctions and awareness as well as an accountability partner to help her look at the emotional side and psychology of money. The effects were so profound and inspiring that Carrie completed the intensive financial counselor training program at the Financial Recovery Institute and started her own holistic money coaching practice


Rachel Schneider

Senior Vice President of Insights & Analytics for CFSI

Rachel Schneider is Senior Vice President of Insights & Analytics for the Center for Financial Services Innovation. In this position, Rachel serves as an industry expert on the underbanked, identifying new innovations and documenting trends. She coordinates relationships with academic and industry research partners to ensure that CFSI's research is timely, action-oriented and impactful. In addition, Rachel collaborates with financial services companies and others regarding strategy development and product design related to the underbanked market and oversees CFSI's policy activities. Rachel began her career as an investment banker at Merrill Lynch & Co., though she hails her interest in the underbanked from her days as a VISTA Volunteer. She holds a J.D./M.B.A. from the University of Chicago, and a B.A. from UC Berkeley.


Danny Shader

CEO of PayNearMe

Danny Shader is the founder and CEO of PayNearMe, the cash payment network. PayNearMe enables consumers who do not have a credit or debit card or who simply prefer cash to conduct remote business transactions safely and easily. Prior to PayNearMe, Danny served as CEO of Jasper Wireless, Inc. Before Jasper, Danny served as the President and CEO of Good Technology, Inc., the leader in standards-based enterprise wireless messaging and data access, which Motorola acquired in 2007. Before Good, Danny served as a vice president and general manager at Amazon.com, which he joined when Amazon acquired Accept.com, the first consumer-to-consumer payment services company, which Danny co-founded and led as CEO. Danny earned a B.S. in Industrial Engineering and Operations Research from the University of California at Berkeley and an M.B.A. from Stanford University.


Serge Milman

Principle Partner, SFO Consultants

Serge Milman is an accomplished, results-oriented senior executive focused on generating revenue growth and operational efficiency through differentiating business strategy, strategic marketing and operational excellence. Serge Milman is the Principal Partner of San Francisco, CA based SFO Consultants which provides Strategy, Finance and Operations Management Consulting services. He also the Principal of Optirate – a blog dedicated to growth and profitability strategies for Banks and Credit Unions. Serge can be reached at info@SFOconsultants.com.


Kasey Byrne

Vice President, Cardlytics

Kasey has over 15 years experience in strategy, organizational development, marketing, communications and project management. Most recently, Kasey served as Managing Director of BrandCulture where she lead a number of brand consulting projects focused on high tech, early stage growth businesses. Prior to BrandCulture, Kasey was the Chief Communications Officer of Overture Services, Inc. (since acquired by Yahoo!), the Internet search pay-for-performance pioneer where she oversaw all of the company’s communications, investor relations, and public relations. Earlier Kasey was a Management Consultant at McKinsey & Company specializing in catalyzing technology, financial services, and organizational performance. Kasey began her career as a software engineer working with both Hewlett-Packard and Digital Equipment Corporation. She holds a MS in Management from the Sloan School of Management at MIT and a BS in Engineering from Cornell University.


Ido Ophir

VP, Product Management

Ido Ophir is responsible for bringing Personetics' products to market. Mr. Ophir oversees a team of subject matter experts and product managers, crafting a roadmap for Personetics technology and business solutions. Prior to joining Personetics, Mr. Ophir held the roles of VP of strategic accounts and VP of product management at Actimize. Prior to Actimize, Mr. Ophir was VP of product development at Always-On, Inc. Mr. Ophir is a graduate of the Israeli Defense Force MAMRAM technology program and holds a B.A. in Computer Science from Mercy College.

Eric Mattson

Founder, Finovate

Eric Mattson is a Seattle-based entrepreneur who spends his free time studying social media, traveling the world in an effort to perfect his Spanish & Chinese, running long distances, napping frequently and drinking great coffee. Prior to his current gig, he was a freelance marketing & strategy consultant. Before that, he managed direct marketing, marketing research, and marketing analytics for SanMar, a fast-growing and award-winning clothing wholesaler located near Issaquah, WA. And before SanMar, he as an analyst at Lake Partners, a boutique strategy consulting firm in downtown Seattle. He is a proud graduate of the Honors Program at the University of Washington. While there, I earned dual degrees in Business Administration and Mathematics thanks to scholarships from Washington State and Intel. He also "cut his teeth" with internships at Intel, Henley Management College (UK), Gear.com (now part of Overstock.com) and the Investment Banking Group of U.S. Bancorp Piper Jaffray.


Samy Kamkar

Security Consultant and Professional Hacker

Samy Kamkar is a privacy and security researcher, computer hacker, whistleblower and entrepreneur. At the age of 17, he co-founded Fonality, a unified communications company, which raised over $24 million in private funding. He is possibly best known for creating the Evercookie and the MySpace worm Samy (XSS), as well as his discovery of illicit mobile phone tracking where the Apple iPhone, Google Android and Microsoft Windows Phone mobile devices transmit GPS and Wi-Fi information to their parent companies. His research led to a series of class-action lawsuits against the companies and a privacy hearing on Capitol Hill. His newest venture is Unleak, a Los Angeles based web security solutions provider.


Alan Brill

Senior Managing Director at Kroll Cyber Security

Alan Brill is a Senior Managing Director at Kroll Cyber Security, a part of Kroll Advisory Solutions. He is the founder of Kroll’s global cyber security practice and has been in the cyber security consulting field for 39 years. He has conducted international security reviews and investigations of cyber-security incidents for major corporations and governments. He is a frequent speaker at international conferences, and on media outlets ranging from the network news programs to the BBC, CNN Deutche Welle, and many others. His work on defending the campaign of President Obama from foreign hackers was recently featured on NBC Nightly News. He is the author or co-author of 7 books and over 100 articles. He has lectured for the FBI, Secret Service, NATO Center for Defense Against Terrorism, the Kennedy School of Government and at conferences of the American Bar Association, American Bankers Association and has testified before congressional committees. He has served as a special master for the federal courts. He holds BA and MBA degrees from NYU, and is a graduate of the U.S. Army’s Command and General Staff College and of the National Defense University. Prior to joining Kroll, he was with the New York City Department of Investigation, as well as with E &Y, NASA’s Manned Spacecraft Center and served as an officer at the Pentagon. He holds CISSP, CFE and CIPP credentials and is a Fellow of the American Academy of Forensic Sciences.


Peter Cassidy

Secretary General, Anti-Phishing Working Group

Peter Cassidy is the secretary general of the Anti-Phishing Working Group (APWG), the largest and most influential independent coalition combating Internet crime today, having cultivated the organization since 2004 into an internationally recognized authority on electronic crime with more than 3,200 members from more than 1,850 information technology companies, law enforcement agencies, government ministries, universities and research institutions worldwide. Peter is a product development consultant, software designer, industrial analyst and widely published writer, speaker and commentator on information security, white collar crime and electronic crime who has been investigating the intersection of security technologies, electronic commerce, public policy and financial crime for decades in his many capacities.


Jon Matonis

Secretary, Bitcoin Foundation

Mr. Jon Matonis serves as Secretary at Bitcoin Foundation. Mr. Matonis served as Chief Executive Officer at Cerebra, Inc. He advises startups in Bitcoin, gaming, mobile and prepaid organizations. He served as Chief Executive Officer of Hushmail and Chief Forex Trader at VISA. He also held senior posts at Sumitomo Bank and VeriSign. A tech contributor to Forbes Magazine and editor of The Monetary Future, he serves on the editorial board of Bitcoin Magazine. He serves as a Director of Bitcoin Foundation. He is a Money Researcher and Crypto Economist from George Washington University.


Marc Brule

CEPO, Royal Canadian Mint

Marc is currently the Chief Emerging Payments Officer (CEPO) at the Royal Canadian Mint. Prior to this recent appointment, for the past six years, Marc was the CFO at the Mint. For the last few years, Marc has been leading a research and development team looking into the “evolution of currency”. MintChip is a prototype digital cash product that is omni-channel which will be piloted by the Mint in 2014. Marc is a charted accountant and was a KPMG partner for some 20 years prior to joining the Mint.


Chris Abraham

Social Media Guru

Chris Abraham is a leading expert in digital, including online reputation management(ORM), Internetprivacy, social media marketing and digital PR with a focus on blogger outreach, blogger engagement and Internet crisis response. A pioneer in online social networks and publishing, with a natural facility for anticipating the next big thing, Chris is an Internet analyst, Web strategy consultant and advisor to major brands. He specializes in Web 2.0 technologies, including content syndication, online collaboration, blogging, and consumer generated media. Chris Abraham was named a Top 50 Social Media Power Influencer by Forbes, #1 PR2.0 Influencer by Traackr and Top 10 social media influencers by Marketwire. For what it’s worth, Chris has a Klout of 77 the last time he looked.


Scott Bales

Global Leader, Trends, Design, and Mobility

Scott Bales is the global leader on Innovation, Trends, Design and Mobility. A thought leader who thrives on the intersection between cultural and behavioral changes with the technology innovations. He is Chief Mobile Officer for Moven, the world’s first-ever card-less bank. Scott is a self-proclaimed extrovert who has meshed a fascination with people and what motivates them, with his enthusiasm for technology. An Australian, who currently runs the Asia Pacific office of boutique advisory firm, User Strategy in Singapore. He is “the most influential on the advancement of financial services and mobility.” With over ten years of international experience in innovation, thought leadership, implementation planning, and strategy, he is a sought after consultant and speaker who communicates his unorthodox ideas with passion and charisma.


Daniel Gusev

Founder, Finfit

Daniel Gusev is a payments geek, innovation practitioner and startup amateur. As the founder of Finfit, the head of innovation at Promsvyazbank, and blogger of Retail Banking In Russia: Innovation Unfolded, he consults on innovation in respect of remote channels strategy and emerging payments platforms. He has sharpened his knowledge and skills on mobile payments and proximity payments schemes for several years, offering advice on traditional (ATM, Internet) and new ways of offering transaction services to top-10 banks in Russia.


Dr. Mircea Mihaescu

Director, Sberbank Technology Research

Dr. Mircea Mihaescu is the Director of the Sberbank Technology Research Center in Moscow, leading banking-related emerging technology research and development projects, both internal. and in collaboration with research institutes and Sberbank technology partners. Before joining Sberbank he was Director, CIO Lab Enterprise Agility at IBM, where he lead internal innovation projects in social computing, cyber security and business process management. His has also previously led teams with IBM Tivoli, Think Dynamics, beMANY, and Bank of Montreal Capital. Mircea holds “Engineer” and Ph.D. degrees in Electronics Engineering from the “Politehnica” University of Timisoara, Romania.


Sean Park

Founder, Anthemis Group

Sean Park is a leading independent thinker on the future of financial services, the author of The ParkParadigm, and the co-founder of Anthemis Group SA. Over the next decade and beyond, a tremendous opportunity exists to profit from the emergence of a new paradigm in financial services and markets. Disruptive business models, products and services - enabled by exponential improvements in technology - will fundamentally challenge incumbent firms and market structures. These new approaches will drive a reconfiguration of the financial industry and the structure of many markets within the wider economy. Anthemis Group was created in September 2010 specifically to take advantage of this opportunity with the ambition to build the world’s first “digitally native” financial services group: a group of companies and businesses uniquely adapted to profit from the emerging competitive landscape of the Information Age. Sean is also a founding investor in innovative companies such as Betfair, WeatherBill and BankSimple and has extensive experience investing in and advising start-up and high growth companies in addition to over 16 years of experience working at a senior level in capital markets and investment banking. Building businesses has been a key theme throughout his career.

micky malka

Micky Malka

Founder, Ribbit Capital

Micky Malka is the founder and sole General Partner of Ribbit Capital, a Silicon Valley-based venture capital firm with a single relentless mission: to drive global innovation in financial services. Ribbit believes the category is profoundly under-innovated and supports entrepreneurs who have already launched the businesses of the future. Its inaugural $100 million fund aims to leverage technology to reimagine and reinvent what financial services can be for people and businesses, with a focus on the unique individuals and brands who are driving innovation around the world in lending, payments, insurance, accounting, tax preparation and personal financial management. Malka has over two decades of global experience in the financial services industry. He started five financial services companies – his first at the age of 18 – in the U.S., Europe and Latin America. He lived through hyperinflation in Venezuela and Brazil, where he witnessed more than half of the banks in his home country fail. As a result, he strives to help create tangible solutions and financial reform for the antiquated industry.


Matt Harris

Managing Director, Bain Capital Ventures

Matt joined Bain Capital Ventures in 2012, to lead the NYC office and focus on business services companies, with a particular interest in financial services. Matt serves on the board of Billtrust, Novus Partners and SigFig. Prior to BCV, Matt co-founded and ran Village Ventures, where he focused on the same sectors and invested in such companies as BlueTarp, Consumer United, Dwolla, iSend, On Deck Capital, Simple, TxVia and Zipmark. Earlier in his career, Matt worked at Bain Capital in the private equity group. Matt went to Williams College, graduating in 1994 with a degree in Political Economy. Matt was the Captain of the Williams College Rugby Club for his junior and senior year, which as you can imagine consumed nearly all of his spare time. Outside of work, Matt is delighted to spend time with his wife, Jessica, and their three children. He is the Chairman of the Board of the Williamstown Theatre Festival, a regional theater associated with Williams College. Matt is obsessed with military history, and some day will write a book connecting the strategy and tactics of insurgency with what he has learned about entrepreneurship.


Alex Lightman

Author and Futurist

Alex Lightman is an author, entrepreneur, and futurist, who has made significant contributions to the adoption of IPv6, served as CTO of the United Nations' Intergovernmental Renewable Energy Organization, and has authored several books on technology and society.


JP Rangaswami

Chief Scientist, Salesforce

With a background in economics and journalism, JP Rangaswami has been a technology innovator and chief information officer for many leading financial firms. As an advocate for open source and disruptive technologies, Rangaswami has been a leading force in the success of multiple startups, including School of Everything, Salesforce.com and Ribbit. He blogs (unmissably) at Confused of Calcutta.


John Owens

Director, Chemonics International

Listed in the Top 20 Twitter Influencers and #1 in South East Asia for Mobile Money, Mobile Banking, Mobile Payments & Mobile Commerce industries by Obopay. An attorney, consultant, board member, & advisor with more than 25 years of experience in inclusive financial services with a focus on mobile money, mobile banking, microfinance & SME development. He has worked in Asia, Africa, the Middle East, Latin America and the Caribbean. His areas of expertise include international project management, planning, designing, & implementation of inclusive financial services (credit & savings products, micro payments, mobile payments, mobile banking, & microinsurance) both on the policy side and directly with banks, credit unions, specialized microfinance institutions, third party mobile money operators & mobile network operators. He has managed several international projects and has written and lectured on various aspects of mobile money and financial inclusion. He is currently a Director at Chemonics International and a Senior Policy Advisor at the Alliance for Financial Inclusion.


Zwelibanzi Manyathi

CE, Personal and Business Banking, Standard Bank

Mr Manyathi has more than 30 years’ banking experience and is the head of business markets for Africa, covering both parent company Barclays and Absa


Robert Tercek

Inventing the Future

Robert Tercek is one of the world’s most prolific creators of interactive content. He has created breakthrough entertainment experiences on every digital platform, including satellite television, game consoles, broadband Internet, interactive television and mobile networks. His expertise spans television, telecommunications and software. Check out his biography here.


Chris Skinner

Chairman, The Financial Services Club

Chris does all sorts in banking and technology. He writes a daily blog about the present (www.thefinanser.com). He consults about the future (www.balatroltd.com), and is a co-founder of Shaping Tomorrow. He networks through the Financial Services Club (www.fsclub.co.uk) in UK, Ireland and CEE. And he speaks at lots of conferences.