Deborah Baxley is a Principal with Capgemini Financial Services Consulting. She is a recognized expert in the payments industry and 30-year IBM veteran with 20 years consulting experience in 14 countries. She possesses in-depth experience in mobile payments and credit cards. She is an officer on the Smart Card Alliance Payments Council, co-founder/officer of NYPAY networking group, and Certified Smart Card Industry Professional. She is a frequent keynote speaker and prolific author on topics of mobile and advanced payments innovation.