33 year ibm executive (assistant director of marketing; systems manager for asia/australia; development manager electronic banking and senior bank industry consultant, world wide); independent consultant for banking and ***** ***** s; author (27 books on ***** s and payments); speaker (more than 200 conferences); University outstanding alumnus; IBM lists as one of 100 leading contributors to corporation; member board of directors, silicon valley round table of the national association for business economics.