José María Ayuso
Panelist

José María Ayuso es responsable del área de productos de Visa, Región América Latina y el Caribe (ALC) desde junio del 2001. Entre sus principales responsabilidades se encuentran la dirección de desarrollo y manejo de productos y consultoría. Entre sus logros más destacados están la creación y consolidación del departamento de consultoría, así como el lanzamiento de nuevos productos como Visa Signature y Débito para negocios. El Sr. Ayuso cuenta con más de 15 años de experiencia en la industria de sistemas de pago. En febrero de 2001, se unió a la Región América Latina y el Caribe de Visa como vicepresidente senior, a cargo de relaciones con los miembros multinacionales, relaciones con los comercios y servicios de consultoría. Antes, fue vicepresidente senior de Visa International Región Unión Europea y gerente general de la oficina Ibérica de Visa desde julio de 1998. Previamente y por tres años, fue vicegerente general de Visa España, miembro del grupo de Visa International en España. Desde noviembre de 1992 hasta junio de 1995 fue gerente regional del Sur de Europa para EUROPAY International. Más temprano en su carrera profesional fue director de mercadeo de Sistema 4B. También ocupó el cargo de jefe de producto del Banco Atlántico en España en el área de nuevos productos y sistemas de pago.

Brian Richardson
Panelist

Currently a Founding Director and CEO of WIZZIT, a recently launched bank operating as a division of The South African Bank of Athens, Limited. Launched in November 2004, WIZZIT aims to provide affordable banking to the unbanked and underbanked segments of the population. It was the first to offer cell phone banking that works across all the networks and on all phones and SIM cards. WIZZIT solves not only an accessibility and affordability issue, but from a convenience point of view, offers 24/7 real time transactions and hence, is “Your Bank in Your Pocket.” WIZZIT is recognized as the global pioneer in mobile banking. Previously, Brian established and ran an international management consultancy with offices in 23 countries. Brian is listed in Who’s Who of South African Business and the International Biography of Distinguished Leaders. He is the author of many articles which have been published locally and internationally.

Dr. Yeon-Hak KIM
Panelist

Dr. Yeon-Hak KIM is an Executive Vice President and Chief Strategy Officer and heads the Strategy Planning Group at KTF, the largest W-CDMA/HSPA operator in Korea. Dr. Kim oversees the Corporate Planning Office, the New Business Development Office, the Innovation Office, and the Global Business Office. He is positioning KTF to become the leader in ubiquitous and convergence services encompassing information, communications, entertainment, and financial transactions. Dr. Kim is member on the boards of several companies, including KTF Technology, the 4th largest Korean handset manufacturer, KTF MHOWS, a mobile advertisement company, and Sidus FNH, the largest Korean movie production company. Dr. Kim is currently an adjunct professor of Konkuk University. He received his Ph.D. in Business Administration from the University of Manchester in the UK in 1995 and he earned an MBA from Seoul National University in 1986. Dr. Kim began his career as an analyst at Daewoo Securities Company in 1986. He joined Korea Telecom (KT) in 1987 and has worked at various posts at KT for 14 years, making key decisions regarding KT's policy and vision. In March 2001, KT established KT ICOM, a new IMT-2000 operating company, and Dr. Kim was assigned to KT ICOM as a Vice President of the Corporate Planning Group, overseeing strategic planning, corporate development, global business and general administration. In January 2003, Dr. Kim moved to KTF as a result of friendly merger and he began working in his current role in November 2006.

Vicente Rodero
Panelist

Vicente Rodero ha desarrollado toda su trayectoría profesional en el ámbito del Grupo BBVA. Entre otras funciones, ha ejercido la de máximo responsable de banca comercial del BBVA en España y desde 2007, pasó a desempeñar la máxima responsabilidad, como director general del negocio bancario, de pensiones y seguros del grupo BBVA en America del Sur. Es, además, miembro del comité de dirección del Grupo BBVA.

Ludwig Schulze
Panelist

Claudio Muñoz
Panelist

Gavin Krugel
Panelist

Gavin Krugel is one of the forefathers of mobile banking as well as an expert in the extension of the broader payments franchise to the mobile arena. Gavin has extensive experience in the payment solutions and banking products field. He helped develop, implement and manage several successful payment products and solutions around the world. Gavin started his career at Standard Bank in 1995, where he learned the payment card business. He left the group as part of an outsourcing deal to work for EDS, a multinational solutions company, as a business analyst. In 1997, he undertook a project at Investec Private Bank to develop and implement their card division and first card product, the Investec Private Bank Gold Card. Thereafter he joined Absa Bank Limited, South Africa’s largest financial institution, as Group Business Manager, Debit Cards. Gavin joined MasterCard International in 2000, where he was responsible for developing innovative new payment solutions for the South African market. Mobile-Commerce was one of these initiatives. Gavin led financial institutions and cellular network operators to agree on a standard for mobile commerce through the SAWPG (South African Wireless Payments Group). He then developed a strategy with MasterCard’s Global Mobile Commerce Group to extend the payments franchise to the mobile phone. This strategy led to him finding the appropriate vendor (Cointel-Simplus) to roll out and manage the strategy for MasterCard. Gavin joined Cointel-Simplus as a General Manager in October 2002, with a view to manage the South African Mobile Commerce Strategy as well as to expand the Simplus Mobile Commerce Platform into other regions in the world. He was appointed Chief e-Business Officer of Cointel in June 2003. Cointel and the Simplus brand are jointly the largest m-commerce business in South Africa, with a processed value exceeding US$350 million per annum, with exponential growth forecasted for subsequent years. Gavin has since founded TroyTyla, a specialist payment systems consulting services house. Gavin’s focus is on advising associations, financial institutions, governments, donor/funding organisations, and telco’s, on extending the payments franchise to new products, channels, customers and to the unbanked. Gavin advises organisations, such as the GSMA, MasterCard Worldwide, CGAP, several donor organisations and several banks, on payments strategies, systems and products. He is an industry expert on global payment systems and the products that drive them, and he has specialised in extending the payment franchise to mobile for the past 5 years. Gavin is a Strategy Director at the GSMA and leads the Global GSMA Initiative to deliver Mobile Money Transfer, an initiative that spans more than 40 network operators in 100 Markets, serving and is representative of more than a billion consumers. Gavin is currently completing his Masters Degree at the Management College of Southern Africa.

Pedro Jose Garcia
Panelist

Pedro José García has a degree in computer science engineering (Simon Bolivar University, Caracas, Venezuela, 1985) and an MBA (Metropolitan University, Caracas Venezuela 1992). He also has completed several corporate training courses at INSEAD (France) and Harvard (Massachusetts). He joined Accenture in 1985, and became a Senior Executive in September 2000. He is currently serves as Lead Partner for Financial Services, Latin America. He has developed sound expertise in planning and managing mergers in the banking and insurance industries, implementing core banking solutions, and helping clients to improve their operational efficiency through organizational change. He has also served as the Country Managing Director for the Andean Region from 2000-2006. Among the clients he has served are: BBVA (Latin America), Santander (Latin America), Banorte (Mexico), Scotiabank, Mercantil (Venezuela), Bancolombia (Colombia), Banco General (Panama), Banco Popular of Puerto Rico, and Banco Galicia (Argentina).