Raphaël A. Berkien

Raphaël A. Berkien has over 21 years of experience in the financial services sector and has held top management positions at industry leading firms and financial institutions. He has worked closely with Visa and MasterCard on the design, implementation, operation and marketing of various global payment solutions. His international and hands-on experience in the issuing and acquiring services sector extends from banking to merchant level operations. He currently specializes in the development and marketing of eCommerce solutions for several markets worldwide.

Michael L. Sperber

Michael L. Sperber has more than 15 years of hands-on experience in the eCommerce industry. He has worked with thousands of merchants providing them with credit and debit card processing services and consulted banks and processors on all aspects of merchant acquiring, including such items as payment gateway selection, technology review, security and compliance, hosting solutions, merchant vetting and customer support.