Mike Love is a recognized industry expert in electronic payment systems and technology. Over the past 25 years, Mike has worked as a consultant providing advanced technology solutions for card issuers, acquirers, electronic payment processors, retailers and online merchants worldwide. Throughout his career, Mike has specialized exclusively in electronic payments and commerce, with significant emphasis on credit card, debit card and ACH processing solutions. Mike is a Computer Sciences graduate of the University of Texas in Austin in 1978 and is currently a guest lecturer in the Digital Economy and Commerce program at the McCombs Graduate School of Business at the University of Texas. Mike is also a contributing author to various trade publications including Credit Card Management, Transaction Trends and Card Technology

Ken Maliga has over 30 years experience in information technology, having held a variety of consulting and executive positions for companies involved in the processing of payments.  Ken has performed payments consultancy and advisory services as a management consultant to clients in over 50 countries on a variety of complex and strategic initiatives exclusively for card issuing, acquiring and processing.  An acknowledged expert in global card payments strategy, architecture and technology, Ken has consulted at the executive level on a variety of international and strategic payments initiatives. At Keypoint, Mr. Maliga is responsible for the European and Asian business of the firm.