DRIVING FORCE: Changing the way we work, live and care for others through disruptive invention, innovation and integration of emerging and legacy technologies - thereby causing adaptive changes to business and personal processes to improve work efficiency, lifestyle convenience and personal health… A seasoned executive leader with extensive experience and success in the creation and integration of emerging and legacy technologies into game changing domestic and international business opportunities and new market sectors. Areas of disruptive technology and business innovation have included new and extended payment systems and internet based financial services such as: • The development and market implementation of Star System, the largest domestic direct debit ATM/POS network in the U.S.A.; • The invention and global market deployment of Visa ePay, the first real-time payment system providing zero payment risk for online bill payment and presentment; • The creation of the world’s first operational financial institution and software platform for internet based financial services, creating a new global software and software as a service sector for internet based financial services in the banking, investments and insurance vertical markets. Specialties: • International CEO • Creation/operation of SAAS/ASP businesses • International/Domestic M&A • New Product Invention & Rollout • Registered US Patent inventor • Biz-Dev of Partner Distribution & Service Networks • Internet/legacy technology applications & services • Cross channel analytics & customer intelligence • New Web sites yielding 300% increase in sales • Extensive Board of Directors & CXO experience