Kenneth Maliga is a recognized industry expert in electronic payment systems. Over the past 30 years, Ken has worked as a consultant to the industry providing advanced technology and business solutions for card issuers, acquirers, electronic payment processors and retailers worldwide. Throughout his career, Ken has specialized in electronic payments, with significant emphasis on credit, debit and pre-paid card processing solutions. He has participated on a variety of complex and strategic initiatives related to card issuing, acquiring and processing in more than 60 countries around the world. He has consulted at the board, executive and managerial levels on a variety of international and strategic card processing initiatives. Ken, as an entrepreneur, has founded and led several consulting companies specializing in electronic payments. Ken is currently the managing partner of Keypoint, a management consultancy specializing in electronic and card based payments for a global client base of issuers, acquirers and processors. 

John S. Cramp is an accomplished business executive with over twenty-five years of leadership experience in Fortune 500, startup, and growth companies. As a C-level executive John successfully led a number of early stage companies through critical development phases, increasing value for shareholders. He has gained significant experience across a broad range of strategic planning, sales, marketing, product development and operations functions. He has been most focused within technology-centric industries and extensively involved in electronic payments and related financial software applications. He has a diverse capital market knowledge base having raised multiple rounds of debt and equity capital for emerging growth companies. He’s executed growth strategies, both organic and merger and acquisition-related. Most recently, John served as Chief Executive Officer for Solveras, Inc., where he lead all aspects of this electronic payment services company, providing payment and cash management solutions to over 15,000 small businesses in the United States. Prior experience includes: Chief Operating Officer for Telkonet Corporation, a public technology company and CEO of CardSystems Solutions, where John developed and implemented the business strategy and proprietary products to transform a start-up software development company into a high growth, recurring revenue, electronic payment processing services company transacting over $10 billion yearly in credit, debit and electronic benefits payments for over 100,000 commercial and government organizations. John now provides his senior leadership experience and expertise as a managing principal consultant to assist Keypoint clients achieves their strategic business objectives. 

Deborah Baxley is an international retail payments consultant, recognized expert in the industry, creator of growth strategies for new and existing markets and 30-year IBM veteran with more than 15 years experience consulting to cards and payment companies. As former leader of IBM’s 400-person global credit card practice, she possesses in-depth experience in mobile payments, credit cards and retail financial services. She has advised top issuers, acquirers and payment brands in 14 countries, including MasterCard, Bank of America, Visa, and American Express. Her consulting centers on product direction, competitive positioning, business model development and technology strategy, delivering in up to $20M in new revenue or $50M in operating cost savings. Widely recognized for insights on the future of retail payments, Ms. Baxley chaired the Smart Card Alliance Contactless and Mobile Payments Council, and co-chaired the 2009 Alliance Payments Council Summit. She is a frequent keynote speaker and prolific author on topics of mobile and advanced payments innovation, author of 15 published articles and white papers, most recently “Proximity Mobile Payments Business Scenarios: Research Report on Stakeholder Perspectives,” Smart Card Alliance Contactless Payments Council white paper.

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